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Ottawa's Best Mortgage Rates Starting at 1.99%

We specialize in first time home buyer & self employed mortgages, renewals, refinancing, commercial mortgages, approving low credit and much more!

Our Latest Lending Rates

2.29%

2 year fixed

2.39%

3 year fixed

2.14%

5 year fixed

1.99%

5yr variable

* Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&EO

Building you a better Mortgage

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First Time Home Buyers

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Mortgage Refinancing

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Mortgage
Renewals

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Self
Employed

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Debt
Consolidation

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Mortgage Pre-approvals

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Solutions for Any Situation:

SJC Financial's mortgage process is fast, easy, and intuitive each step along
the way.

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  1. 1

    Get pre-approved.

    Our team will let you know if you're qualified before you finish the full application.

  2. 2

    Select your rate and term.

    Our team will help you choose the right mortgage that fits your needs.

  3. 3

    Verify your info and sign.

    Provide us with the needed documentation to complete the process.

  4. 4

    Peace of mind.

    Our team will handle all the other details and paperwork for you.

From the Blog

Useful Tips for Buying and Selling A Home During Covid-19
June 25, 2020

Useful Tips for Buying and Selling A Home During Covid-19

When Is Mortgage Refinancing a Bad Idea?
June 10, 2020

When Is Mortgage Refinancing a Bad Idea?

Is it a Good Time to Become a First-Time Home Buyer?
May 27, 2020

Is it a Good Time to Become a First-Time Home Buyer?

Educational Videos

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Your best mortgage advice comes from a mortgage broker

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Mortgage Insurance 101

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Why Use a Mortgage Broker?

Our Trusted Lenders

  • Alterna
  • ATB Financial
  • B2B Bank
  • Bridgewater
  • Canadiana
  • CMLS Financial
  • Equitable Trust
  • First Ontario
  • Home Trust
  • ICICI bank
  • Industrial Alliance
  • ING
  • Manulife Bank
  • MCAP
  • Merix
  • Meridian
  • Optimum
  • Prospera
  • RMG Mortgages
  • Scotiabank
  • Street Capital
  • TD Canada Trust
  • Valley First
  • Vancity
  • Wealthline
  • Westminster Savings
  • XCEED

Quick Property Purchase/Refinance Application Form

2 minute Loan Signup

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Printable Application

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Once your application has been submitted, I will call you to review details and answer any questions. Review our Privacy Policy. Rest assured, I work hard to protect your personal information during the signup process.

Happy Clients

  • One of the best people I've ever had the pleasure to do business with. This guy is always on top of his game, an absolute machine, can get you the best rates, always answers your calls and gets stu...
    Michel Tamer
  • I would like to say the amazing knowledge and insight received will help me with my long-term financial plans. Much appreciated.
    Brad Carlyle
  • My husband and I had the best experience dealing with Steven and his team, they were knowledgeable, efficient and found us the best rates available. They made the process of selling and purchasing ...
    Amanda Adlard
  • Steven has been such a joy to work with. I owe my success to him- he’s like my secret weapon. Steven and I have been working together since 2016 on refinancing, new mortgages and now we’re ont...
    Gemma Watson
  • SJC financial helped me purchase my first home, everything was simple and easy with no setbacks. I was approved quickly and they got me a fantastic rate with a AAA lender. Definitely happy with the...
    Ryan Andrews

Your reviews are appreciated