Jamie Small, AMP, Mortgage Agent

Jamie Small, AMP, Mortgage Agent Ottawa mortgage broker since 2008.

Jamie leads an experienced team delivering customized solutions, exceptional service, and a seamless mortgage experience from start to finish.

🏡 We're incredibly grateful for clients who continue to place their trust in us through multiple milestones, from purcha...
06/03/2026

🏡 We're incredibly grateful for clients who continue to place their trust in us through multiple milestones, from purchasing their home to future renewals.

One of the things we hear most often is that people appreciate having someone available to answer questions, explain options clearly, and help them make confident decisions along the way. That's exactly the experience we strive to provide.

Thank you for the kind words and for allowing us to be part of your homeownership journey. 🙏

📧 [email protected]
📲 613-797-1929




Most people watch the Bank of Canada. 👀Very few watch the bond market.But here’s the thing 👇Fixed mortgage rates can ris...
05/31/2026

Most people watch the Bank of Canada. 👀

Very few watch the bond market.

But here’s the thing 👇

Fixed mortgage rates can rise or fall even when the Bank of Canada does absolutely nothing.

That’s because fixed rates are largely driven by Government of Canada bond yields, not the overnight rate most headlines focus on.

Which means:
📈 Inflation expectations matter
📈 Bond markets matter
📈 Investor sentiment matters

If you’re waiting for a Bank of Canada announcement before making a mortgage decision, you may already be behind the market.

I break down how this works in plain language in my latest blog: https://www.jamiesmall.com/index.php/blog/post/326/how-fixed-mortgage-rates-are-priced-the-bond-connection

📧 [email protected]
📲 613-797-1929





💰 Is saving for a down payment keeping you on the sidelines of Ottawa’s market? You may be able to buy with as little as...
05/29/2026

💰 Is saving for a down payment keeping you on the sidelines of Ottawa’s market?

You may be able to buy with as little as 5% down, but it’s important to understand the extra costs that come with low down payment, insured mortgages, like insurance premiums and fees.

Our team can walk you through what this really means for your budget and help you decide if it’s the right move for you.

Reach out to the Jamie Small Mortgage Team anytime for clear, friendly guidance on your first home purchase in Ottawa:
📧 [email protected]
📲 613-797-1929

05/26/2026

A lot of homeowners are about to face a very different mortgage reality in 2026. 📈

Many mortgages coming up for renewal were locked in during the ultra-low rate environment of the pandemic. At the time, larger mortgage amounts were often unavoidable just to purchase a home.

Now those same mortgages are renewing into a market where rates are higher, and more importantly, changing quickly.

The good news? There’s a strategy. 🔒

Most lenders allow you to secure a discounted renewal rate up to 4 months before your maturity date. That means you may be able to protect yourself from future increases, while still benefiting if rates improve before your renewal date.

Waiting until the last minute can limit your options and potentially cost you thousands over your next term.

If your mortgage is renewing in 2026, now is the time to start planning.

Reach out to our team for a no-pressure conversation about your renewal strategy. 💬

📧 [email protected]
📲 613-797-1929





📈 Fixed mortgage rates are still elevated and have mostly held steady in recent weeks, even as bond yields move up and d...
05/20/2026

📈 Fixed mortgage rates are still elevated and have mostly held steady in recent weeks, even as bond yields move up and down with headlines from the Middle East and swings in oil prices. 👀 Here’s a quick snapshot of what’s driving the current rate environment:

What’s happening in the economy
➡️ The Canadian economy shed 17,700 jobs in April and has lost roughly 112,000 jobs so far this year.
➡️ This is a clear sign of underlying economic weakness and makes setting interest rate policy more challenging for the Bank of Canada.

What markets are pricing in
➡️ Markets are currently pricing in several potential Bank of Canada rate increases by the end of 2027, totalling roughly 0.75%.
➡️ That outlook could change quickly if we see some resolution in the Middle East.

What experts are debating
➡️ Many market participants are projecting at least one 0.25% BoC rate hike later this year.
➡️ A number of economists are skeptical, noting that higher rates could put additional pressure on an already-softening economy.

What this means for fixed rates
➡️ Until there is more clarity on both the Middle East conflict and the path for inflation, it’s unlikely we’ll see a meaningful, sustained drop in fixed mortgage rates.

What this means for variable rates
➡️ Variable mortgage rates move with the Bank of Canada’s overnight rate, which is currently being held at 2.25%.
➡️ As long as the Bank keeps its policy rate on hold, variable rates should stay relatively stable, though any future BoC hikes or cuts would flow through to variable-rate borrowers.

If you’ve got a renewal, refinance, or purchase on the horizon and want help comparing fixed vs. variable in this environment, send us a message and we'll be happy to walk you through your options:
📧 [email protected]
📲 613-797-1929

Ottawa’s spring market is waking up 🌷🏡April brought the typical seasonal increase in activity, with home sales up 24% fr...
05/17/2026

Ottawa’s spring market is waking up 🌷🏡

April brought the typical seasonal increase in activity, with home sales up 24% from March. At the same time, inventory continues to climb, giving buyers more options and creating less competitive conditions across the market.

Here’s what stands out right now 👇

📈 New listings jumped 19.3% year-over-year
🏘️ Active listings climbed 17.2%
💰 Average sale prices remain relatively stable compared to last year
⏳ Homes are taking slightly longer to sell, averaging 21 days on market

While sales activity has picked up, overall volume still remains below more typical spring levels, with ongoing public sector uncertainty likely playing a role.

What does this mean?

For buyers 👉 More inventory means more choice, more negotiating power, and less pressure than we saw during the peak market years.

For sellers 👉 Well-priced, well-presented homes are still selling successfully, especially when backed by the right strategy.

Whether you’re thinking about buying, selling, refinancing, or just trying to make sense of the Ottawa market, our team is always happy to help break it down:

📧 [email protected]
📲 613-797-1929

I’ll admit, I’m hesitant to post content related to awards. 👉 Mortgage volume and trophies don’t matter to clients as mu...
05/15/2026

I’ll admit, I’m hesitant to post content related to awards. 👉 Mortgage volume and trophies don’t matter to clients as much as clear advice and good outcomes.

That said, our team was recently welcomed into Verico Canada’s 2025 Chairperson’s Club, and I wanted to share it mostly as a thank‑you. This recognition exists because clients, friends, and business partners continue to trust us with their mortgage and debt decisions. 💼 🤝

🙏 If you’ve referred someone to us, sent a quick email with a question, or just opened our market updates, you’ve been part of this. We really appreciate your support and look forward to helping you and your clients in the year ahead.




Running your own business in Ottawa means financial flexibility 👉 but when it's time to apply for a mortgage, that same ...
05/13/2026

Running your own business in Ottawa means financial flexibility 👉 but when it's time to apply for a mortgage, that same flexibility can make lenders nervous. ✨ The good news? With the right approach, your self-employment becomes an advantage, not a barrier.

We specialize in helping business owners structure financing that aligns with how you actually earn and manage income, so you can access the home or equity you need. Read the full article to learn more 🔗 https://www.jamiesmall.com/index.php/blog/post/325/financing-for-the-self-employed-turning-complexity-into-opportunity

📲 Ready to explore your options? Connect with Jamie's team today!
[email protected]
613-797-1929

Thinking about a new build in Ottawa this year? 🏗️ 🏡The temporary removal of HST on new construction homes up to $1M pu...
05/08/2026

Thinking about a new build in Ottawa this year? 🏗️ 🏡

The temporary removal of HST on new construction homes up to $1M purchase price, plus rebates on purchase prices up to $1.85M, could make your numbers look very different.

Our team can walk you through how this 1‑year window might impact your budget and monthly payments. Reach out if you’d like us to run your HST and payment estimates together:

📧 [email protected]
📲 613-797-1929

Self-employed in Ottawa? Your business success shouldn't hold you back from getting a mortgage but income write-offs, fl...
05/06/2026

Self-employed in Ottawa? Your business success shouldn't hold you back from getting a mortgage but income write-offs, fluctuating revenue, and business debts can make traditional lenders hesitant.

🏡 The right mortgage strategy turns your unique financial situation into an opportunity, with solutions tailored to how your business actually operates. Our team has helped self-employed clients across Ottawa navigate these complexities for over 18 years. Let's build a financing plan that works for your reality.

Read the full blog 🔗 https://www.jamiesmall.com/index.php/blog/post/325/financing-for-the-self-employed-turning-complexity-into-opportunity

Or simply reach out to our team today:
📧 [email protected]
📲 613-797-1929

Address

500-2725 Queensview Drive
Ottawa, ON
K2B0A1

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

Telephone

+16137971929

Website

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