Your Trusted Ottawa Mortgage Broker
Personalized mortgage solutions for homebuyers, homeowners, and real estate investors across Ottawa.
Mortgage Pre-Approval
Know your budget and shop for your new home with confidence
Mortgage Renewals
Compare your options before accepting your lender’s renewal offer
Mortgage Refinance
Access your home equity, consolidate debt, or improve your cash flow
Financing Solutions
Explore mortgage options tailored to your income and financial goals
Ready to Apply?
Complete my secure online application, and I’ll personally follow up with the next steps
MEET VANESSA WILSON
Mortgage advice built around your goals
Clear advice. Better options. Confident decisions.
Finding the right mortgage is about more than securing a competitive rate—it’s about choosing a strategy that supports your goals.
I’m Vanessa Wilson, an Ottawa Mortgage Agent Level 2. I help homebuyers and homeowners understand their options, compare lenders and move confidently through buying, renewing, refinancing or more complex financing.
✓ Access to banks, credit unions, monoline and alternative lenders
✓ Personalized solutions for straightforward and complex needs
✓ Hands-on support from application through closing
PERSONAL MORTGAGE GUIDANCE
Prefer to speak with me directly?
FREE CANADIAN MORTGAGE APP
See how much home you may be able to afford
Download my free Canadian Mortgage App, select 'Pre-Qualification' and tap 'Start New' to receive a quick estimate without affecting your credit score.
Pre-qualification provides an estimate only and is not a mortgage approval.
Canada Inflation September 2026 | Mortgage Rate Outlook
Canada’s September Inflation Update:
What It Means for Mortgage Rates
October 19, 2026
Canada’s September inflation report was released this morning, delivering mixed results ahead of the Bank of Canada’s next interest rate announcement on October 28, 2026.
September Inflation Results
Inflation Measure | Actual | Previous | Consensus |
|---|---|---|---|
Headline CPI (YoY) | 3.1% | 3.0% | 3.2% |
Core CPI (YoY) | 2.2% | 2.4% | — |
CPI Common (YoY) | 2.4% | 2.6% | 2.6% |
CPI Median (YoY) | 1.9% | 2.0% | 1.9% |
CPI Trimmed (YoY) | 1.8% | 1.9% | 1.9% |
The Good News and the Bad News
The bad news: Headline inflation increased slightly to 3.1%, largely driven by higher energy and transportation costs. However, it remained below market expectations of 3.2%.
The good news: The Bank of Canada’s preferred measures of underlying inflation continued to improve. CPI Median declined to 1.9%, while CPI Trimmed fell to 1.8%, both below the Bank of Canada’s 2% target.
What Does This Mean for Mortgage Rates?
These results provide some support for the Bank of Canada to hold its overnight interest rate steady on October 28, particularly as broader inflation pressures appear to be easing.
For homeowners and buyers, variable mortgage rates remain competitive compared with current fixed-rate offerings. However, fixed mortgage rates are influenced by bond yields and can increase independently of Bank of Canada decisions.
My Takeaway: While headline inflation remains elevated, the improvement in underlying inflation is encouraging. The upcoming Bank of Canada announcement will be important for homeowners considering whether to remain variable or lock into a fixed rate.
Every mortgage situation is different. Before making changes to your mortgage, let's review your options and explore strategies to minimize your overall borrowing costs.
Vanessa Wilson | Mortgage Agent Level 2 | Referral Mortgages
Source: Statistics Canada, September 2026 Consumer Price Index.
MY LENDER NETWORK
More lenders. More options.
I compare solutions from banks, credit unions, monoline lenders and alternative lenders to find the right fit for you.
ABOUT VANESSA
Vanessa Wilson
Mortgage Agent Level 2
Licence #M21002877
Clear advice. Personalized mortgage strategies. Support you can count on.