ONTARIO

Join a mortgage brokerage in Ottawa

Ottawa is the steadiest large market in Ontario, underwritten by 146,000 federal public service salaries.

Official sources: Financial Services Regulatory Authority of Ontario (FSRA), Ottawa Real Estate Board, Statistics Canada, 2021 Census of Population, Treasury Board of Canada Secretariat, public service population, Equifax Canada market pulse

Part of our Ontario network. See the Ontario overview.

A.I.M.I. Collective Mortgage Group is licensed by FSRA across Ontario and works with brokers in Ottawa. Ottawa is the steadiest large market in Ontario, underwritten by 146,000 federal public service salaries.

If you are looking at mortgage broker jobs in Ottawa, weighing up becoming a mortgage broker in Ottawa, or thinking about switching brokerages, this page covers what the local market looks like and what changes when you move.

Ottawa in numbers

Local board

Ottawa Real Estate Board

Prices

July 2026: average $683,308, median $635,000, MLS HPI benchmark $634,000. The benchmark was down 0.5% year over year and the average down 1.6%.

Government anchored income, and the lowest delinquency

146,149 federal public servants worked in the National Capital Region as at 31 March 2026, per the Treasury Board of Canada Secretariat. Ottawa Gatineau's 90+ day mortgage delinquency was 0.16% in Q4 2025, the lowest of the major markets and well under the 0.24% national figure.

Population

1,017,449 (2021 Census)

What a broker's book looks like in Ottawa

Ottawa is the steadiest large market in Ontario, and its files show it. Federal public service salaries mean stable, verifiable income, strong credit and the lowest delinquency of the major markets, so clean A lender purchases and renewals are the bread and butter.

There are wrinkles. Public servants on term contracts, military members on posting and buyers looking across the river in Gatineau all need attention. A property in Quebec falls under Quebec's regulator, so Ontario licensed brokers refer those files rather than writing them.

Where the files come from

Federal public servants with stable salaried income
Relocations tied to government and military postings
Renewals across a large, low risk owner base
Move up purchases from families with growing equity

What changes when you join from Ottawa

Direct submission to 100+ A, B, private and alternative lenders under Dominion Lending Centres
Top tier lender status on every file from day one, with a split that reflects your volume
Deal Desk underwriting support on commercial, B and alternative files in exchange for a commission split
Compliance, payroll and deal processing handled, plus a broker portal built for the work
Weekly lender training, one on one mentorship and private lending matchmaking events

Licensing in Ontario

FSRA regulates mortgage brokering in Ontario. Licences renew annually and expire on 31 March, and continuing education runs on a two year cycle falling in even numbered years, split into Conduct CE and Professional CE. FSRA will not renew a licence without it. Current as of 24 September 2026.

Common questions

What licence do I need to work as a mortgage broker in Ottawa?

FSRA licenses mortgage brokering in Ontario. We onboard licensed agents and brokers; we do not put unlicensed applicants through initial licensing.

Do I keep my own clients and my own brand?

Yes. Your book is yours and you keep your personal brand and website. We add co branded marketing systems, video production support and campaign templates on top.

Can I write files in more than one province?

Yes, if you hold a licence in each. A.I.M.I. Collective is licensed in British Columbia, Alberta and Ontario, so you can carry more than one licence under one brokerage.

Can an Ottawa broker write a mortgage on a property in Gatineau?

Not with an Ontario licence alone. Mortgage brokering in Quebec is regulated by Quebec's Autorité des marchés financiers, so Gatineau files need a Quebec authorized broker. We can help you set up a referral.

Thinking about a move in Ottawa?

A discovery call is a conversation about your book, your pipeline and what the numbers would look like. No obligation either way.

Book a discovery call

In Ontario

Other cities where our brokers work

Mortgage brokerage in Ontario

Licensing, lender access and how A.I.M.I. Collective supports brokers across the province.

Read the province guide