🏠 Ottawa · Ontario · All of Canada — Licensed Mortgage Agent Level 2 · FSRA · Brokerage #13316
abdur@referralmortgages.com 📞 (613) 620-5893
5-Yr Fixed 4.29%· 3-Yr Fixed 3.90%· 5-Yr Variable 3.70%· Bank of Canada 2.25%· Pre-Approval in 24 Hours· 50+ Lenders Compared· Serving Ottawa · Ontario · Canada· Google Rated ⭐ 5 Stars· 5-Yr Fixed 4.29%· 3-Yr Fixed 3.90%· 5-Yr Variable 3.70%· Bank of Canada 2.25%· Pre-Approval in 24 Hours· 50+ Lenders Compared· Serving Ottawa · Ontario · Canada· Google Rated ⭐ 5 Stars·
★★★★★ 5.0 Google Rated · Verified Ottawa Reviews
Ottawa's Trusted Mortgage Expert

Your Dream Home
Starts With the
Right Mortgage

Purchase, refinance, or consolidate debt — I find you the best rate from 50+ Canadian lenders and get you pre-approved in as little as 24 hours. 100% free service.

50+
Lenders
24hr
Pre-Approval
$0
Broker Fee
5★
Google Rated
📞 (613) 620-5893 Apply Online via Velocity →
Get Your Free Rate Quote
No obligation · Response within 60 min · 100% confidential

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I'll reach out within 60 minutes. You'll hear from me very soon!

100% secure · Never shared · FSRA regulated
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50+ LendersBanks, credit unions, private
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24-Hour Pre-ApprovalFast decisions, no delays
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$0 Broker FeeMy service is free to you
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5-Star Google RatedVerified client reviews
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FSRA LicensedBrokerage #13316

🌎 Proudly serving clients across Ottawa, Ontario & all of Canada — wherever you are, I can help.

OttawaKanataBarrhavenOrleansNepean GloucesterOntarioTorontoVancouverCalgaryCanada-Wide
My Free Mortgage App
Explore All Your
Mortgage Options
Download my free personalized mortgage app to compare rates, run payment scenarios, and explore every option — before we even speak. Your mortgage toolkit, available anytime.
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Real-time mortgage calculators
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Affordability & payment analysis
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Rent vs. buy comparison tool
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Rate comparison across products
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Secure direct connection to me
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Rate alerts & renewal reminders
Download Free App — iOS & Android
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Mortgages by Rahim

Your complete mortgage toolkit — free, no login required to explore.

Mortgage payment calculator
Max mortgage qualifier
Land transfer tax estimator
Rent vs. buy analysis
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What I Can Do For You
Mortgage Solutions
For Every Situation
Whether buying, refinancing, or consolidating — I find the right mortgage from 50+ Canadian lenders, with expert guidance at every step.
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Home Purchase

First-time buyers, move-up buyers and investors. Best rate from 50+ lenders, pre-approved in 24 hours.

Get pre-approved →
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Refinancing

Lower your rate, access home equity, or break your term early. I run the numbers to make sure it makes sense.

Check your savings →
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Debt Consolidation

Roll high-interest credit card and loan debt into your mortgage at a fraction of the rate. One payment, less stress.

Calculate savings →
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Mortgage Renewal

Don't just sign what your bank sends. I shop 50+ lenders and almost always find a better deal at renewal time.

Get a better deal →
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Self-Employed

Incorporated or sole proprietor? I work with lenders who understand business income and approve self-employed borrowers.

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New to Canada

Building Canadian credit? I have lender programs designed specifically for newcomers and permanent residents.

Learn more →
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Reverse Mortgage

For homeowners 55+. Access your home equity tax-free without selling. Maintain ownership, eliminate payments.

Explore options →
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Commercial Mortgage

Office, retail, industrial or multi-family. I structure commercial financing to match your investment goals.

Get a quote →
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Vacation Property

Cottage, cabin or vacation home in Ontario or across Canada. Specialist financing for secondary properties.

Start planning →
Why Work With Me
I Work For
You, Not the Bank
Your bank offers one product. I offer access to 50+ lenders and one goal — get you the best deal possible.
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I shop the whole market for you

One application, 50+ lenders compared simultaneously — without hurting your credit score.

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Ottawa & Ontario market expert

Government town, diverse workforce, unique affordability dynamics. I know what lenders want to see.

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I'm with you after closing

Annual reviews, rate alerts, renewal reminders. Your mortgage advisor for life, not just the deal.

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FSRA Level 2 · Fully regulated

Referral Mortgages Inc. · Brokerage #13316 · Mortgage Agent M24000036 — accountable to you.

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Powered by Velocity CRM

Industry-leading mortgage platform — your application, status and documents tracked securely end-to-end.

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Broker vs. Your Bank
Banks show you their products only. I compare TD, RBC, Scotia, CIBC, Meridian, First National, MCAP and 45+ more — lenders that often beat bank rates by 0.5–1.0%.
Potential savings: $8,000–$20,000+ over 5 years
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Ottawa Stress Test Explained
OSFI requires you to qualify at your contract rate + 2% or 5.25% — whichever is higher. I structure your application to maximize what you qualify for and choose the right lender from the start.
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First-Time Buyer Programs
FHSA (up to $40K tax-free), Home Buyers' Plan ($35K RRSP), and Ontario Land Transfer Tax rebates. I make sure you use every program available before you sign anything.
Current Best Rates
Today's Best Rates in Ottawa
Sourced via Velocity — Canada's mortgage rate engine. These are best available rates; contact me for your personalized rate based on your situation and province.
Best 3-Year Fixed
%3.90
Insured · 25yr amortization
View all rates on Velocity →
Most Popular
Best 5-Year Fixed
%4.29
Insured · 25yr amortization
View all rates on Velocity →
Best 5-Year Variable
%3.70
Prime – 0.55% · Insured
View all rates on Velocity →

*Rates shown are for insured mortgages with 5–19.99% down payment. Uninsured, refinance, and provincial rates vary. Some conditions apply. Rates subject to change without notice. O.A.C.  ·  View full live rate sheet via Velocity →

5-Star Google Reviews
What Clients Across
Canada Say
★★★★★
5.0 · Google Reviews
Verified Ottawa & Ontario client reviews
Read All Google Reviews →
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★★★★★
"Rahim made our first home purchase so much less stressful. He explained everything clearly, found us a rate our bank couldn't match, and was always available to answer questions. Truly outstanding service!"
SM
Sarah M.
First-Time Buyer · Barrhaven, Ottawa
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★★★★★
"We consolidated all our debt through a refinance and we're now saving over $800/month. Rahim walked us through every step and made the whole process completely painless. Best financial decision we've made."
TL
Tom & Linda K.
Debt Consolidation · Kanata, Ottawa
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★★★★★
"As a self-employed contractor I was worried no lender would approve me. Rahim knew exactly which lenders to approach and got me approved at a fantastic rate. Extremely knowledgeable and professional."
AJ
Ahmed J.
Self-Employed · Orleans, Ottawa
G
★★★★★
"Rahim helped us navigate our mortgage renewal and saved us significantly compared to what our bank offered. He was responsive, thorough, and made the whole process effortless. Highly recommend!"
MP
Marie P.
Mortgage Renewal · Nepean, Ottawa
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★★★★★
"We moved from Toronto to Ottawa and Rahim handled our purchase seamlessly across the distance. His knowledge of the Ottawa market was invaluable. Got us a great rate and kept us informed every step of the way."
RK
Raj & Priya K.
Home Purchase · Move from Toronto
G
★★★★★
"New to Canada and nervous about getting a mortgage. Rahim was patient, explained every step in detail, and found a lender with a program for newcomers. We're now in our first Canadian home. Thank you Rahim!"
FO
Fatima O.
New to Canada · Gloucester, Ottawa
⭐ See All 5-Star Reviews on Google →
Ready to Get Started?
Let's Find Your Best
Mortgage Today
Book a free 15-minute discovery call — no obligation, no pressure. Just straight talk about your mortgage options from an expert who works for you.
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Pre-approval in as little as 24 hours
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50+ lenders compared in one application
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Completely free — no broker fee
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Serving Ottawa, Ontario & all of Canada
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FSRA licensed · Fully regulated · 5-Star rated
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Powered by Velocity — secure, end-to-end
📞 Call (613) 620-5893 📱 Download My App
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I'll reach out within 60 minutes during business hours.

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