MBOttawa_stack_colourPMS.png Apply Now
Free Guide

Everything you need to buy your first home

The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.

  • How much you can actually afford
  • Every cost beyond the purchase price
  • A step-by-step timeline from offer to closing
Download your free guide
What's Inside

A chapter for every step

Budgeting & affordability

What lenders actually look at, and how much home that really buys you.

Down payments & closing costs

Every cost beyond the purchase price, laid out line by line.

Getting pre-approved

What to have ready, and how a pre-approval actually strengthens an offer.

From offer to keys

A step-by-step timeline of what happens, and when, between an accepted offer and closing day.

A look inside

Getting started with a broker
Getting started with a broker
Choosing the right mortgage
Choosing the right mortgage
Savings programs for every buyer
Savings programs for every buyer
Why It Matters

Real answers, not just homework

This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.

  • Plain-language explanations, no jargon left unexplained
  • Local context — Ottawa land transfer tax, programs and lenders
  • Built to be read once and kept for reference through closing
Get your copy
Client Stories

Home buyers like you

“Jeff was outstanding in helping us secure our new home. We were dealing with a very tight timeline and Jeff rose to every occasion and exceeded expectations across the board. He’s extremely professional and I would highly recommend Jeff.…
CC
Christopher Chartrain
Ottawa, ON
“We’re so grateful to Jeff for helping us with our mortgage. We had a lot to figure out at the last minute, and he somehow pulled off what felt impossible. We trusted him completely, and he worked so hard to make it happen. Jeff truly…
A
Allisa Cj Chartrain
Ottawa, ON
“Responsive, clear and friendly advice while helping my family find the mortgage solution that works best for us. I would recommend Jeff Hayes to family and friends for any mortgage needs they may require.”
ER
Evan Romeo
Ottawa, ON
“I recently used Jeff Hayes to obtain a new mortgage, as well as, a bridge loan. He was very professional, knowledgeable and prompt in answering all of my questions. He is a great guy to deal with and I have been and will continue to…
GG
Geoff Graser
Ottawa, ON
“I cannot say enough wonderful things about Jeff Hayes, our mortgage broker. He went above and beyond throughout the entire home-buying process, making what initially seemed like an impossible purchase possible for us. His quick…
SW
Sherry Weir
Ottawa, ON
“As a first-time homebuyer, I really appreciated Jeff’s guidance throughout the mortgage process. Buying your first home is an overwhelming experience, so his clear communication, honest advice, and industry expertise were incredibly…
EF
Emma Flinn
Ottawa, ON
“Jeff was outstanding in helping us secure our new home. We were dealing with a very tight timeline and Jeff rose to every occasion and exceeded expectations across the board. He’s extremely professional and I would highly recommend Jeff. Our family will be forever grateful for what he was able to accomplish in a very short amount of time. He’s a true diamond in the rough and we couldn’t have had a better experience working with him!”
Christopher Chartrain
Ottawa, ON
“We’re so grateful to Jeff for helping us with our mortgage. We had a lot to figure out at the last minute, and he somehow pulled off what felt impossible. We trusted him completely, and he worked so hard to make it happen. Jeff truly cares about his clients, and that came through in every interaction. He was incredibly responsive, a great listener, and always took the time to answer our questions and understand what we needed. We couldn’t recommend him more!”
Allisa Cj Chartrain
Ottawa, ON
“I recently used Jeff Hayes to obtain a new mortgage, as well as, a bridge loan. He was very professional, knowledgeable and prompt in answering all of my questions. He is a great guy to deal with and I have been and will continue to recommend him to friends and family.”
Geoff Graser
Ottawa, ON
“I cannot say enough wonderful things about Jeff Hayes, our mortgage broker. He went above and beyond throughout the entire home-buying process, making what initially seemed like an impossible purchase possible for us. His quick responsiveness, and willingness to work through every detail gave us the confidence and support we needed. Jeff genuinely cared about helping us achieve our goal of purchasing a home, and we are incredibly grateful for everything he did to make it happen—even when our closing date changed at the last minute causing us stress! I highly recommend Jeff to anyone looking for a mortgage broker. He is so professional, hardworking, and genuinely interested in his clients. He made us feel like family, and we are so thankful that he was our mortgage broker. Hopefully this is my forever home but if I do move again I will definitely use Jeff - Cheers to you Jeff!”
Sherry Weir
Ottawa, ON
“As a first-time homebuyer, I really appreciated Jeff’s guidance throughout the mortgage process. Buying your first home is an overwhelming experience, so his clear communication, honest advice, and industry expertise were incredibly reassuring… Not to mention, he found me a great rate that I was very happy with. Thanks again, Jeff! I can’t believe it’s already been over a year in my new home 😀”
Emma Flinn
Ottawa, ON
Ready When You Are

Talk to a broker about your next move

Download the Home Buyer's Guide to start discovering mortgage tips.

Get Started See Today's Rates