Central Ottawa: ByWard Market, Centretown, Centretown West, Downtown, The Glebe, Golden Triangle, LeBreton Flats, Lower Town, Old Ottawa East, Old Ottawa South, Sandy Hill

East End: Carson Meadows, Castle Heights, Forbes, Lees Avenue, Lindenlea, Manor Park, New Edinburgh, Overbrook, Rockcliffe Park, Vanier, Viscount Alexander Park

South End: Airport-Uplands, Alta Vista, Billings Bridge, Confederation Heights, Ellwood, Elmvale Acres, Greenboro, Hawthorne Meadows, Heron Gate, Heron Park, Hunt Club, Hunt Club Park, Riverside Park, Riverview, Mooney’s Bay Park, Sheffield Glen, South Keys, Urbandale

West End: Ambleside, Bel-Air Heights, Bel-Air Park, Belltown, Braemar Park, Britannia, Britannia Heights, Britannia Village, Carleton Heights, Carlington, Carlingwood, Central Park, Champlain Park, Civic Hospital, Copeland Park, Courtland Park, Glabar Park, Hampton Park, Highland Park, Hintonburg, Kenson Park, Lincoln Heights, McKellar Heights, McKellar Park, Mechanicsville, Michele Heights, Qualicum, Queensway Terrace North, Redwood, Rideau View, Tunney’s Pasture, Wellington Village, Westboro, Whitehaven, Woodpark, Woodroffe North

Gloucester: Beacon Hill, Blackburn Hamlet, Blossom Park, Carlsbad Springs, Carson Grove, Cedardale, Chapel Hill, Chateau Neuf, Convent Glen, Cyrville, Edwards, Elizabeth Park, Ficko, Findlay Creek, Gloucester Glen, Hiawatha Park, Honey Gables, Johnston Corners, Kempark, Leitrim, Limebank, Manotick Station, Orleans, Orleans Village, Orleans Wood, Pineview, Piperville, Ramsayville, Riverside South, Rothwell Heights, South Gloucester, Victory Hill, Windsor Park Village

Kanata: Beaverbrook, Bridlewood, Glen Cairn, Harwood Plains, Kanata, Kanata Lakes, Kanata West, Kanata Estates, Katimavik-Hazeldean, Lakeside, Malwood, Marchhurst, Marchwood, Morgan’s Grant, South March, South March Station, Strathearn, Town Centre (Kanata)

Nepean: Arbeatha Park, Arlington Woods, Barrhaven, Bayshore, Bells Corners, Belltown, Borden Farm, Boyce, Briargreen, Carleton Heights, Cedarhill Estate, Centrepointe, City View, Clearview, Country Place, Craig Henry, Crestview, Crystal Bay, Crystal Beach, Davidson Heights, Fallowfield, Fisher Glen, Fisher Heights, Fraservale, Graham Park, Grenfell Glen, Hearts Desire, Hillsdale, Jockvale, Knollsbrook, Leslie Park, Longfields, Lynwood Village, Manordale, Meadowlands, The Meadows, Merivale Gardens, Navaho, Orchard Estates, Parkwood Hills, Pheasant Run, Pineglen, Qualicum, Rideau Glen, Rocky Point, Ryan Farm, Shirleys Bay, Skyline, Stonehedge, Tanglewood, Trend Village, Twin Elm, Valley Stream, Westcliffe Estates

Cumberland: Avalon, Bearbrook, Beckett Creek, Bella Vista, Burromee, Canaan, Chaperal, Chartrand, Chatelaine Village, Cumberland Village, Cumberland Estates, Fallingbrook, French Hill, Leonard, Martins Corners, Notre-Dame-des-Champs, Navan, River Walk, Sarsfield, Town Centre (Orleans), Queenswood Heights, Queenswood South, Queenswood Village, Vars

Goulbourn: Amberwood Village, Ashton, Bryanston Gate, Dwyer Hill, Fringewood, Healey’s Heath, Mansfield, Munster, Old Stittsville, Red Pine Estates, Richmond, Stanley Corners, Stapledon, Stittsville, Woodside Acres

Osgoode Township: Belmeade, Dalmeny, Greely, Herbert Corners, Kenmore, Marionville, Marvelville, Metcalfe, Osgoode, Pana, Reids Mills, Spring Hill, Vernon, West Osgoode

Rideau: Marlborough, Baxters Corners, Becketts Landing, Burritts Rapids, Goodstown, Malakoff, Mills Corners, Moores Corners, Pierces Corners, North Gower, Carsonby, Kars, Manotick, Reevecraig, North Gower, Watterson Corners

West Carleton: Fitzroy, Antrim, Fitzroy Harbour, Galetta, Kinburn, Marathon, Marathon Village, Marshall Bay, Mohr Corners, Panmure, Quyon Ferry Landing, Smith’s Corners, Vydon Acres, Willola Beach, Woodridge

Huntley: Carp, Corkery, Huntley, Huntley Manor Estates, Manion Corners, Westmont Estates, Westwood

Torbolton: Baskin’s Beach, Buckhams Bay, Constance Bay, Crown Point, Dirleton, Dunrobin, Dunrobin Heights, Dunrobin Shore, Kilmaurs, MacLarens, McKay’s Waterfront, Torwood Estates, Woodlawn

Welcome to Ross Taylor Mortgages, where your journey to homeownership is guided with care and expertise. As a two-time national award winner, we take pride in serving a diverse clientele, from first-time homebuyers to seasoned investors, and everyone in between.

Navigating the complexities of mortgage financing can be daunting, but with Ross Taylor Mortgages, you’re in capable hands. We offer more than just low-interest rates; we provide tailored solutions and unwavering support throughout the entire process. Whether you’re facing challenging circumstances like inadequate credit or overwhelming debt, we’re here to find the best mortgage solution for you.

Buying a home or refinancing can feel daunting, especially if you’ve recently dealt with a consumer proposal or bankruptcy. But fear not, we specialize in these situations and have helped countless clients rebuild their financial future. Ross Taylor isn’t just a mortgage broker; he’s also a registered Insolvency Counselor, making him uniquely qualified to assist you on your journey to homeownership.

At Ross Taylor Mortgages, we’re not just about transactions; we’re about relationships. Ross is committed to providing more than just numbers; he offers invaluable insights and genuine advice to all who seek it. Whether you’re curious about what you can afford or need guidance through the mortgage process, our clients will unanimously tell you: Ask Ross.

Ross is dedicated to providing helpful information, personal insights, and genuine advice for all who seek it. If you’re looking to get a first mortgage or planning to buy and need to know what you can afford, our clients will unanimously say Ask Ross.

We are different! For example, this website was the first in Canada to publish and offer a free Trigger Rate Calculator at a time when Canadians desperately needed answers to pressing questions about their variable mortgages. To this day you can Google Search the term “Trigger Rate Calculator” from anywhere in Canada, and we will come up first in your search results!

The Best Mortgage Rates

We offer many mortgage solutions to Canadians at the best rate they can afford. Borrowers love Ross Taylor Mortgages for our expertise and access to A to private mortgage lenders. 

Expert Advice

In the fixed rate vs. variable rate debate, we’ll fit you with the right mortgage depending on your needs. If you’re concerned with getting low rates or looking for the lowest monthly payment, Ross Taylor Mortgages Ottawa will get you into your new home. Let our mortgage agents help you navigate the difficult mortgage process.

Mortgage Refinancing Services

When it comes time to refinance your mortgage loan, we’ll follow up with you to discuss the prepayment and get you the lowest mortgage rates possible or work towards pulling out home equity for debt consolidation. We will find the best mortgage options for your new mortgage.

Difficult Mortgages

We specialize in difficult mortgages and work tirelessly to get you the best mortgage. We work through your down payment strategy, getting a pre-approval, locking in those interest rates, and sealing the deal with a lender. 

Residential Mortgages

We deal exclusively in residential mortgages but can point you in the right direction for a commercial mortgage.

Reverse Mortgages

Every Canadian deserves a financially secure and comfortable retirement. If you are 55 years of age or older, a reverse mortgage can help you access your home equity while remaining in your principal residence.

A reverse mortgage is a loan against your property that allows qualifying senior homeowners to convert a portion of their home equity into a source of cash. This money is tax-free and does not require any monthly mortgage payments until you sell or move out of your home.

Second Mortgage

Second mortgages are loans against the equity of your home. They are an excellent option if you need cash for home renovations, repairs, education, emergency expenses, or even consolidating debts.

With access to our competitive second mortgage rates, you will be able to meet your expense demands without relying on credit cards.

Mortgage Renewal

Your notice to renew your mortgage typically arrives in the mail 4 to 6 months before your renewal date. Your renewal will include several terms and competitive rate options from your lender. 

This is the time to evaluate your financial situation and goals to understand what you will need in the duration of your next term.

It is also an excellent opportunity to access your home’s equity to put towards renovations, education, or simply saving more by lowering your monthly mortgage payment.

Self-Employed Mortgages

Nearly 20% of Canadian income earners work for themselves, and with the gig economy on the rise, that number will continue to grow. Being a small business owner brings many joys. However, when it comes to qualifying for a mortgage, it can be pretty frustrating.

Most financial institutions require self-employed individuals to use their personal income tax assessments to qualify for a mortgage. There are several legitimate ways your accountant can render your net income as a small business owner much lower than your gross income – and this, unfortunately, makes it challenging to qualify for a mortgage by traditional means.

Rest assured, our team of experienced mortgage agents understand your situation and have helped many self-employed clients get a mortgage.