Business Details
Your Trusted Mortgage Partner in Ottawa
The Wilson Team is a family-owned and operated boutique mortgage brokerage with over 20 years of experience serving clients in Ottawa and beyond. Our team of seasoned professionals is dedicated to simplifying the mortgage process through personalized strategies, transparent guidance, and access to competitive rates from Canada's top lenders. We prioritize client education, empowering homeowners and investors to make informed decisions that align with their financial goals.With a focus on building long-term wealth through real estate, we offer tailored solutions for first-time buyers, refinancing, investment properties, and complex financial scenarios. Our commitment to excellence is reflected in our track record of client satisfaction and industry recognition as one of Canada's top 1% mortgage brokerages.
Services
Residential Mortgages
Commercial Mortgages
HELOC
Refinancing
First-Time Buyers
Investment Properties
Reverse Mortgages
Self-Employed Mortgages
New to Canada Mortgages
Debt Consolidation
Highlights and features
- 20+ years of experience navigating Ottawa's housing market complexities
- Access to 30+ lenders for competitive rate comparisons
- Personalized mortgage strategies tailored to individual financial goals
- Transparent guidance through every step of the mortgage process
- Specialized expertise in first-time buyer incentives and investment properties
What people say
Professional and smart
Went above and beyond
No regrets whatsoever
Financial stress eliminated
Mortgage myths debunked
Services
Residential Mortgages
We specialize in residential mortgage solutions for first-time buyers, move-up purchasers, and homeowners seeking refinancing options. Our expertise covers conventional mortgages, insured programs with CMHC/Genworth, and alternative credit scenarios. Clients benefit from personalized rate comparisons across 30+ lenders while receiving strategic advice on amortization periods, payment structures, and long-term wealth building through property ownership.
Commercial Mortgages
Our commercial mortgage services cater to investors purchasing multi-residential properties (5+ units) and commercial buildings. We facilitate financing for real estate investors utilizing BRRR strategies, joint ventures, and portfolio growth. The team negotiates favorable terms for income-producing properties, with expertise in analyzing cash flow requirements and investment viability while accessing specialized lender programs for commercial transactions.
HELOC
We help clients establish Home Equity Lines of Credit (HELOC) for debt consolidation, home improvements, or investment opportunities. Our brokers explain HELOC rate structures, repayment flexibility, and tax implications while comparing offerings from various lenders. Clients learn how to strategically use HELOCs for financial management without compromising long-term mortgage goals.
Refinancing
Our refinancing experts analyze break-even costs, interest rate differentials, and prepayment penalties to determine optimal timing for mortgage renewal. We guide clients through cash-out refinancing options, debt consolidation strategies, and amortization adjustments while explaining tax-deductible mortgage possibilities for investment properties.
First-Time Buyers
Specialized services for first-time homebuyers include FTHBI program applications, RRSP withdrawal strategies, and CMHC insurance explanations. We clarify land transfer tax rebates, down payment requirements, and 30-year amortization options while helping clients navigate the 5% down payment process with confidence.
People
Kelly Wilson
Managing Partner, Commercial and Investor Expert
With over 20 years in mortgage brokering, Kelly specializes in commercial financing and investment strategies. She co-founded the Wilson Team to provide innovative solutions for real estate investors and business owners.
Laurie Wilson
Managing Partner, Alternative Credit Expert
Laurie brings decades of experience in alternative credit solutions, helping self-employed individuals and unique cases secure mortgage approvals. She established the Wilson Team's reputation for personalized service and financial education.
Tracy Donnelly
Licensed Assistant
Tracy supports Kelly and Laurie with mortgage processing, ensuring smooth transactions for clients. Her attention to detail and knowledge of documentation requirements streamline the approval process.
Sydney Fowlis
First-Time Homebuyer Specialist
Sydney focuses on guiding first-time buyers through incentive programs and down payment strategies. Her approachable style helps new clients understand mortgage fundamentals and long-term financial planning.
Micheline Lajoie
Bilingual Mortgage Expert
Micheline serves Ottawa's francophone community, providing mortgage solutions in both English and French. Her expertise spans residential purchases and renewal negotiations for bilingual clients.
Questions
How early should I start mortgage renewal discussions?
Begin 90-120 days before maturity to secure optimal rates and terms.
Can gift funds be used for down payments?
Yes, with a signed gift letter confirming no repayment obligation.
Do you offer mortgages for energy-efficient homes?
Yes, qualifying properties may receive premium refunds through the Green House Program.
How does debt consolidation through mortgages work?
Combine high-interest debts into one low-rate mortgage payment, potentially saving thousands annually.
What options exist for parents' home purchases?
Co-signing, down payment assistance, or outright purchases with specialized financing structures.
Are there special programs for self-employed individuals?
Yes, we specialize in tailored mortgage solutions for self-employed clients.
