LM Mortgages

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LM Mortgages

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I am very fortunate to be able to bring over 25 years of financial services experience to my role as a Mortgage Agent with Mortgage Brokers Ottawa.

Leo Maiorino - Mortgage Agent Level 2
Mortgage Brokers Ottawa (License #11759)
My process is carefully executed to deliver on my promise of a no surprise home closing mortgage exp During my 20 year career with RBC Financial Group, I held a number of positions including Branch Manager, Regional Sales Manager for a mortgage salesforce and finally as Vice President and Director for RBC Investments. I had National leadership responsibility for a Trust and Investment Advisory team and the Insurance Division of RBC DS Financial Services Inc. Giving back to the community is a very important part of my life. I am a Past President and current Board Member of the Stittsville Rotary Club. I am married to Lynda and have 2 children, Jessica and Leo Jr. Fishing and playing guitar are my true passions outside of the workplace. I look forward to utilizing my experience and leadership skills in partnering with you for an outstanding mortgage experience. Attention to detail and service excellence is the cornerstone to my success.

10/30/2026

More value for my clients going forward. If you have or would like a CAA membership, I can now get you a better deal on your mortgage under our new partnership with CAA. Membership DOES have its benefits.
Call or DM me to discuss how you can take advantage of it.

10/28/2026

Big news for anyone with a mortgage or looking to buy: the Bank of Canada just raised its overnight rate for the first time since July 2023. That shift means the prime rate is moving up, and if you're carrying a variable-rate mortgage, you could be looking at a noticeable bump in your monthly payment — and Governor Macklem has hinted this may not be the last move.

If you're renewing soon, shopping for a home, or sitting on a variable rate, now is honestly a great time to revisit your options before things shift further. I'm here to walk you through what this means for your specific situation — no pressure, just a clear conversation.

What questions do you have about how this rate change affects you? Drop them in the comments or send me a DM!

Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

10/07/2026

A huge thank you to everyone who reached out with kind words about my new branding! Your support truly means the world to me. 🙏

I'm incredibly proud to continue delivering quality mortgage advice and strategy as part of the Mortgage Brokers Ottawa family — a brand I've proudly represented for 19 years.

This new look reflects something close to my heart: it's not just about me anymore. It's about my team and the collective value we bring to every client we serve. This feels like the right next step in the evolution of my practice.

I'm so excited for what's ahead — and I know my team is ready to keep delivering for you.

What's one thing you look for most when working with a mortgage team? Drop your thoughts below! 👇

Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

10/07/2026

Thank you to everyone that has commented on my new branding look. I really appreciate all of the positive comments.

I am very excited about this and proud to continue delivering quality mortgage advice and strategy as an agent with Mortgage Brokers Ottawa.

For 19 years, I have represented the Mortgage Brokers Ottawa brand and will continue to do so going forward with pride.

The purpose of the new branding/image is to position my business to reflect my team, and not just me as the primary mortgage agent.

I felt this was an important next step in the evolution of my practice.

Looking forward to the team continuing to deliver value.

10/06/2026

Big news — I'm rebranding! 🎉 After years of helping Ottawa families navigate their mortgage journey, I'm thrilled to introduce LM Mortgages. Same me, same commitment, same honest advice — just a fresh new name that better reflects where we're headed. Nothing about the experience you've come to expect is changing. You'll still get a personalized approach and someone who actually picks up the phone! Whether you're buying your first home, coming up for renewal, or just have questions about your mortgage situation, I'd love to connect. Drop a comment below or send me a message — let's chat! 👇 What's one mortgage question you've always wanted answered? Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

09/02/2026

The Bank of Canada held its rate steady again — that's seven holds in a row now. 📊 Given everything happening with U.S. tariffs and rising inflation (which just hit 3% in July), it's worth thinking about what this means for your mortgage.

If you're on a variable rate, your payments aren't changing anytime soon. But with potential rate hikes possibly coming in 2027, now is actually a great time to talk through whether locking in makes sense for your situation.

If you've got a renewal coming up or you're actively looking to buy in Ottawa, let's chat and build a mortgage strategy that actually fits where things are headed. This isn't the time to set it and forget it! 🏡

Are you currently on a variable or fixed rate? Drop it in the comments — I'd love to help!

Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

08/26/2026

Thinking about buying your first home in Ottawa? There is more to it than just finding a listing you love — and I want to make sure you are set up for success before you start. 🏡

A few things I always make sure my first-time buyers know: the Home Buyers' Plan now lets you withdraw up to $60,000 from your RRSP tax-free, the FHSA gives you tax-deductible contributions and tax-free withdrawals, and as a first-time buyer with an insured mortgage, you can now amortize over 30 years to lower your monthly payments.

Oh — and even if you have owned before, you might still qualify as a first-time buyer under CRA rules. Worth a conversation!

What is the one thing about buying your first home that feels most overwhelming right now? Drop it in the comments — I would love to help. 👇

Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

08/19/2026

One of the most common questions I'm hearing from clients right now as renewal season heats up: "Should I go fixed or variable?"

Honestly, there's no single right answer — it really depends on your situation. Variable rates have come down significantly over the past year, and the spread between the best five-year variable and five-year fixed is noticeable. But fixed still offers that peace of mind and predictability.

What I always remind clients: don't just auto-renew with your bank. Most lenders are counting on you to do exactly that — without shopping around.

If your mortgage is renewing in the next six months, let's have a quick conversation. It could make a real difference in what you're paying.

Drop a comment or send me a message — happy to chat!

Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

08/12/2026

Big news for Ottawa home buyers that I think is flying under the radar right now. 🏡

Back in March, the Ontario government announced a rebate of the full HST amount on new homes up to $1 million — up to $130,000 back in your pocket. What makes this different? It's not just for first-time buyers. If you're purchasing a new build as your primary residence or a rental property, you could qualify. The agreement of purchase and sale just needs to be signed between April 1, 2026 and March 31, 2027.

The details really matter here, and there are still some pieces waiting on federal legislation to be fully locked in. Before you sign anything, let's make sure you have the right information for your specific situation.

Have you been thinking about buying a new build in Ottawa? Drop a comment below or send me a DM — I'd love to help! 👇

Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

08/05/2026

Let's clear up a mortgage myth that's costing Ottawa homeowners real money at renewal. 💬

Since November 2024, you no longer have to pass the stress test just to switch lenders at renewal — as long as you're doing a straight switch (same amount, same amortization). That means you can actually shop around for a better deal without being penalized.

With about 60% of Canadian mortgages resetting before end of 2026 and payment increases still on the horizon, the last thing you want is to stay with your current lender out of habit when you have real options.

If your renewal is coming up, let's talk before you sign anything. Have you already started shopping around, or did you assume you were locked in?

Leo Maiorino, Mortgage Agent - Level 2, Mortgage Brokers Ottawa #11759

Address

1701. Woodward Drive, Suite 300
Ottawa, ON
K2C0R4

Telephone

+16133716975

Website

http://www.bestmortgageinottawa.com/

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