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Looking for a Mortgage?

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Ghummaz Bhatti

Mortgage Agent

Hi, I am Ghummaz, President of Ottawa Mortgage Services. My team and I are glad you stopped by! We are actively involved in the mortgage industry and have a great deal of experience preparing mortgages, dealing with lenders and negotiating all aspects of mortgage underwriting. We passionately serve you! We value relationships and believe that our job is first and foremost to take care of you, making sure you understand the mortgage process, and then arrange a mortgage with a lending institution who is offering the product that best suits your specific needs. We believe in defending this cultivated relationship and have no problems fighting to make sure you get the best mortgage possible.

Our Services

We believe all Canadians have a fundamental right to invest and have an ownership stake in their future. Through Honest, Transparent and Reliable practices we strive to manifest your dreams into reality. Contact now for a free consultation and assessment to find the financial structure best for you

First Time Home Buyer

As a first-time home buyer you have access to tax credits, incentives and resources that will help you become a homeowner. Let us discover together the possibilities.

Self Employed Individual

We work with lenders who do require stringent credit checks to ensure that self-employed Canadians with variable income qualify for the lowest mortgage rates.

Pre-Approval Letters

Get your pre-approval letter now to know how much you can afford to ease your shopping for your residential/investment property.

 

Commercial/Investment

Mortgages for the purchase of Professional Offices, Multi-Unit Residential Units, Real Estate Development, Land Acquisition and more. Contact us for a free consultation.

Refinancing

Refinancing can be a good idea for many reasons, including home renovations, additional property purchase, debt consolidation and more. 

Debt Consolidation

We work with you to consolidate high interest rate debt into lower interest rate, converting the bad debts into good debts. Save your money, increase cash flow and fix your credit rating.

Ready To Get Started?

The Process

Get In Touch

At Ottawa Mortgage Services, we understand that you’re looking for a mortgage professional who will take the time to assess your financial situation in order to assist you in finding the best mortgage on the market. Take the first step, reach out, let us know who you are!

Explore Your Options

We’ve got the mortgage you’re looking for. We’ll present you with different mortgage solutions, outline what documents are necessary to qualify for your mortgage, we’ll negotiate with the lenders on your behalf, and make sure you are well looked after throughout the entire process.

Ongoing Support

Once we’ve arranged the mortgage product that best suits your needs, you’re not alone, we’re your mortgage professionals for life. If you’ve got questions in the years to come, we’ll always be available to make sure that all your needs are met and that you’re always being looked after.

Our Trusted Lenders

Guys with Computer

Additional Services

Need a trusted referral? We have built relationships with various industry experts to help support you in your investment journey. Contact us and we will be happy to connect you to the appropriate service provider.

  • Real Estate Brokers
  • Lawyers & Solicitors
  • Home Inspectors
  • Private Lenders
  • Insurance Brokers
  • Wealth Consultants
  • Financial Advisors
  • Financial Planners

Mortgage News

Finalize Your Mortgage Application

Once the lender’s underwriting team has assessed your file and have determined you meet their guidelines, we will receive an electronic “Commitment” indicating that your application has been approved subject to a list of conditions. The conditions will specify which documents are required to prove income, assets, employment, property details

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Taking the Next Step in Your Journey

You finally found THE home! Now what? 1. With your Real Estate Agent make a purchase offer and sign the Purchase Agreement 2. Contact us to begin the underwriting process. We start your “Go Live” application and identify the most appropriate lender(s) that will give you the best rate and term

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Identifying With You And Your Needs

We begin our journey with you. Your mortgage is a significant financial obligation, and you are trusting us to steer you in the right direction, especially if you are not familiar with the process. To know what that direction needs to be, we take the time to get to know

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CONTACT US

Get In Touch

We’d love to hear from you! Feel free to reach us at your convenience. 

  • +1 (613) 697-8510
  • [email protected]
  • 1000 Wellington St. West, Unit 103, Ottawa, ON K1Y 2X9
  • Open daily 8am-4pm
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