As the national capital, Ottawa's housing market leans on a large base of federal and tech employment, with steady demand across first-time buyers, renewals, and move-up purchases in Kanata, Orleans, and Barrhaven.
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Choosing a renewal & switch mortgage agent in Ottawa
An agent should shop your renewal across multiple lenders before you sign whatever rate your current bank offers — banks rarely lead with their best rate on a renewal notice.
Renewal & switch mortgage agents in Ottawa — common questions
No — you're free to switch lenders at renewal, and it often comes with a better rate since you're not locked into your existing bank's offer.
Generally no, as long as your mortgage balance and amortization stay the same — this is one of the main advantages of switching versus a true refinance.
Start 4–6 months before your renewal date — most lenders let you lock in a rate up to 120–150 days in advance.