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Your Expert Ottawa Mortgage Broker

If you're ready to invest in a new property, you need an Ottawa mortgage broker you can rely on. Recognized as one of the top 75 mortgage brokers in Canada, Chris Allard has the experience and expertise it takes to provide his clients with superior service. As a finalist at the Canadian Mortgage Awards and member of the DLC Hall of Fame, Chris has a proven track record of success in the mortgage industry. Trust in us to help you secure financing for your next real estate investment.

Mortgage Services

As one of the most highly respected, best mortgage brokers in Ottawa, the Chris Allard Mortgage Team provides residential, commercial, private and bad credit mortgages. Let us become your partner in the buying process, and we'll shop around to find you a great rate from a reliable Canadian lender.

Mortgage Rates

A mortgage in Ottawa’s feasibility depends heavily on the rate, which can make or break your ability to afford monthly or bi-weekly payments. That's why finding a low rate from a lender you can trust is so important. We are dedicated to helping you secure the lowest possible rate so you can focus on getting the most out of your new property instead of worrying about high costs.

Learn more about Chris Allard

Why Chris?

Chris is constantly staying up-to-date in market trends and Ottawa mortgage rates, all so he can better serve you. He is known for his personal touch and helping his clients every step of the way.

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Learn more about financing and mortgage options


Whether you are a first-time homebuyer or looking for a commercial property, construction financing, debt consolidation, refinancing, or renewal, Chris is here to give you flexibility in your options.

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Apply now to get started with Chris Allard

Apply NOW

Are you ready to get started? Don't wait! Click the link below and begin your mortgage application through our secure app! Don't let any opportunity slip away - start the application process today.

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Banks We Work With

Chris' services are supported by banks and other institutions. He works with them to bring you the best savings, and this partnership means his services are generally free! Below are some of the banks he partners with:

Chris Allard INVIS Mortgage Intelligence Awards

Best in Ottawa profile for best mortgage brokers


As a proud mortgage broker of Smart Debt Mortgages, Chris Allard is driven to exceed expectations. Inducted into the DLC Hall of Fame, Chris has also received numerous awards, including the DLC Platinum Award in 2015 and the DLC Diamond Award in 2016, recognizing his standing among the top 5% of DLC’s brokers.

In 2017 Chris received a CMP Young Guns award. He was a finalist for the Canadian Mortgage Awards Young Gun of the Year Award in 2019 and 2020 – recognized by Canadian Mortgage Awards for being one of the top brokers under 35. Chris is also a nominee for “Top Mortgage Broker” in Ottawa by Faces Magazine in 2023. Chris Allard also finished first in all of Canada in the volume funded category through Invis/Mortgage Intelligence.

Canadian Mortgage Professional magazine has recognized him as being one of the top 75 mortgage brokers in Canada!

Start Here & Experience The Difference

Top Choice Awards 2023
Best Business of 2023 | ThreeBest Rated | Chris Allard - Mortgage Team | Excellence
CMP 2022 Top Broker Badge
CMP Top 75 Mortgage Brokers award for 2019 and 2020
2019 Canadian Mortgage Awards - Finalist - Young Gun of the Year
CMP Young Guns 2017 Award
DLC Elite Hall of Fame
DLC Diamond Award 2016
DLC PLatinum Award 2015

Tools and Resources for Success

The service and support we provide for our customers is the reason we're known as the best mortgage broker in Ottawa. We’re particularly renowned for our approach to communication and transparency, ensuring you are neither overwhelmed nor kept uninformed when it comes to essential information. Regardless of where you are in the home-buying process, we strive to provide you with access to a variety of tools and resources that can help you achieve ongoing success as a property owner.


Visit our blog for regular updates about what's happening in Ottawa's mortgage and real estate market, tips for buying a new residential or commercial property, and recent news about the Chris Allard Mortgage Team.


Visit our Resources page to access helpful information about Ottawa's mortgage market, as well as tools such as our helpful Land Transfer Tax Calculator and information about CMHC mortgage premiums. You can also schedule a consultation with a member of our team or start your mortgage application online.


See what satisfied customers have to say about their experiences working closely with Chris Allard:

Modern cream coloured home with dark brown trim and accents.

“ As a first-time homebuyer, my knowledge about Mortgages was limited. Upon meeting Chris, he made sure that I was comfortable with what his roles and responsibilities were as a broker and used his extensive knowledge to answer any and all of my questions. With access to over 50 lenders, I knew that Chris would pick a mortgage that was ... ” [read more]

Hailey E.
Multi-level home with beige stucco and red front door

“ Chris is seriously passionate about delivering the utmost value to his clients. His knowledge and expertise in the industry were evident from our first meeting, and his patience and willingness to explain my options to me as a first-time home buyer made the entire process a pleasurable experience. ”

Brennan L.
Large home with expansive elegant front porch with white pillars.

“ Simply put, Chris is amazing at what he does. From finding the best rates and conditions to being extremely professional and attentive to our needs, he surpassed any expectations we had for dealing with a mortgage broker. The back and forth communication was excellent. Nothing slipped through the cracks and all of our questions were answered appropriately and quickly. ... ” [read more]

John Godbout
Read more testimonials

Frequently Asked Questions

Find the answers to questions our mortgage agents are asked most.

What is a mortgage?

A mortgage is a loan that's designed to finance the purchase of a residential or commercial property. The property itself acts as the collateral for your mortgage loan.

What's a pre-approved mortgage?

A pre-approved mortgage guarantees your interest rate before you actually accept the loan. Pre-approval typically gives you better-negotiating power when you're ready to purchase a property as it makes you a more attractive buyer.

What's the minimum down-payment required on a home purchase in Ottawa?

In most cases, a minimum down-payment of 5% is required; however, a higher down-payment will net you a lower monthly and may give you the opportunity to avoid CMHC mortgage fees.

Why should I work with a mortgage broker?

Mortgage brokers have access to lenders throughout Ottawa, and even across Canada. Because they're not connected with a particular lender, they've got the power to find and negotiate a mortgage with the best interest rates. And best of all, mortgage brokers are paid by lenders, which means that partnering with Chris Allard Mortgage Team won't cost you a thing.

Plan Your Mortgage with The Expert Mortgage Broker - Ottawa's Chris Allard and Team


Whether you are buying your first home or seeking a mortgage to buy rental properties, we understand the mortgage process can be overwhelming. That is why Chris continuously seeks a personal connection with every one of his clients. He wants to understand your situation, and he will go the extra mile to find the best option tailored to your needs.

If you are uncertain about using a mortgage broker, Chris is happy to discuss your options in a no-obligation consultation. So don’t wait… give him a call today!

Get Started with Chris Allard Today

Whether it's time to buy your first home, move on from your starter home or invest in commercial property, the Chris Allard Mortgage Team is ready and willing to help you access the financing you need. Work with the best mortgage broker in Ottawa and contact us to schedule a consultation today.