Best Mortgage Broker Ottawa - Abdur Rahim - Mortgages by Rahim - Canadian Mortgage Expert - Best Mortgage Rates, Pre-Approval, New Build GST HST Rebate, Reverse Mortgage, Refinance, Debt Consolidation, Self-Employed, First-Time Home Buyer, FSRA Licensed, Multilingual Service in English Bengali Hindi Urdu

Abdur Rahim of Mortgages by Rahim is a 5-star Google rated, FSRA-licensed Canadian mortgage broker serving Ottawa and all of Canada. With access to 50+ lenders, an Economist and Data Scientist background, and multilingual service in English, Bengali, Hindi and Urdu, Abdur brings analytical rigor and cultural understanding to every mortgage file. Call (613) 620-5893 for a free consultation.

The Mortgages by Rahim app is a free personalized mortgage calculator app for Canadians, featuring accurate mortgage payment calculators, affordability analysis, rent-vs-buy comparison, rate alerts, land transfer tax estimator, and direct broker chat. Available free for iOS and Android — download at cma.me/mortgagesbyrahim/download.

The federal GST rebate and Ontario HST new housing rebate can combine for up to $130,000 in savings on qualifying new construction homes. Eligibility depends on the purchase price, your residency status, and whether the home is your primary residence. I help coordinate the rebate paperwork with your builder and lender. Call (613) 620-5893 for a free rebate assessment.

A reverse mortgage is a loan for Canadian homeowners aged 55+ that lets you access up to 55% of your home equity tax-free without selling or making monthly payments. The loan plus interest is repaid when you sell or pass away. CHIP Reverse Mortgage and Equitable Bank are the leading Canadian providers. I help seniors navigate all reverse mortgage options.

Today's best Canadian mortgage rates start around 3.90% for 3-year fixed, 4.29% for 5-year fixed, and 3.70% for 5-year variable. Rates vary by lender, insurance status, and borrower qualification. I compare 50+ lenders to find the best rate for your specific situation.

Minimum down payment in Canada: 5% on homes under $500,000, 10% on the portion $500,000–$1,500,000, and 20% on homes $1.5M+. First-time buyers can use FHSA (up to $40,000 tax-free) and Home Buyers' Plan ($60,000 from RRSP). I help structure your down payment to maximize approval chances.

Fixed rates offer payment stability and are ideal when rates are expected to rise. Variable rates typically start lower and are better when rates are falling or stable. As an economist, I analyze rate trends and your personal risk tolerance to recommend the right choice. I run the math on both options so you decide with confidence.

Yes. Self-employed mortgages are available through A-lenders and B-lenders using stated income, business-for-self programs, and bank statement programs. You typically need 2+ years of self-employment history. I specialize in self-employed mortgage approvals with Canadian lenders who understand business income.

Yes. New-to-Canada mortgage programs are available from major Canadian lenders with as little as 5–10% down for permanent residents and qualifying temporary residents — even without Canadian credit history. I work with lenders who offer specialized programs for newcomers.

Mortgages by Rahim offers mortgage pre-approval in as little as 24 hours. Online applications take 10 minutes, and you receive a written pre-approval letter once your documents are reviewed.

I work with Canadian lenders who offer Shariah-compliant mortgage products and halal-friendly financing structures. As a broker who understands the needs of Muslim, Bangladeshi, Pakistani, Indian, and Arab communities across Canada, I can guide you to the right ethical mortgage solution.

Yes — 100% free. I'm compensated by the lender when your mortgage funds, not by you. You pay zero broker fee. This applies to purchases, refinances, renewals, reverse mortgages, and commercial financing.