Since 2004, I have been serving my clients by providing the very best in mortgage products and customer service. I work with first time homebuyers, real estate investors, and current homeowners who want to upsize or downsize. I transact purchases, refinances, and renewals and have more than 20 lenders in my portfolio.
My Mortgage Toolbox
Download our Canadian Mortgage App for all your mortgage needs. It's designed to help you quickly and easily navigate the complexity of mortgages.
Scan the QR Code to download our free app
Download our mobile app and get access to all premium mortgage tools to help you plan your next purchase, renewal or refinance.
What can you do with our mobile app?
Get Pre-Qualified without a credit check
Calculate your total cost of owning a home
Calculate the required income for a mortgage
Estimate the minimum down payment you need
Calculate the maximum mortgage you can afford
Estimate Location specific Closing costs
Testimonials
Sea T
Feb 5 2026
Heather and her team went above and beyond to help us with a complicated mortgage situation; she was always very patient and responsive.
Natasha A
Feb 4 2026
Heather has assisted us over the years on 3 renewals and every time we have contacted her she has been there every step of the way. Her quick response and understanding always made us feel confident in the process. Thank you for all your support.
Kat A
Feb 1 2026
Heather was absolutely amazing to work with. She made the process incredibly easy, was always available to answer our questions, and her knowledge allowed us to choose the best option for our family. Would definitely recommend.
Carlos M
Jan 29 2026
Heather is great! She explained everything in a clear and concise way, answering our many questions with patience. I recommend Heather’s services to anyone who is looking for a mortgage in Ottawa, ON.
Erick M
Jul 16 2025
We just completed our second mortgage (new mortgage and then a renewal) with Heather and Sherri and they were excellent in all aspects of the process, from start to finish!
Holly T
Dec 5 2024
Heather is an exceptional mortgage broker. She is on your side every step of the way and available to help and chat in a timely manner. She made a stressful purchase much more pleasant and we were thrilled to have her and Sherri on our team. We would work with her again in a second if we ever move again.
Noah B
Nov 4 2024
Heather and her team are amazing. They were so helpful, friendly, and responsive to all of my mortgage needs. I would absolutely recommend them to any of my friends and family!
Robyn O
Sep 1 2024
Heather and Sheri are professional and friendly and helped us access a great rate. They are a great support and all of our questions were answered quickly (even on vacation) and thoroughly.
Mohammed A
Aug 14 2024
As a first time home buyer, I was scared of what might potentially go wrong as I was stepping into a world previously I had no experience with. Heather created a comfort atmosphere and patiently attended all my concerns. She advised what to do and what pitfalls to avoid, before the closing. After finding a low rate that would go with my budget, she proactively went on and found lower mortgage rates and helped me settle on the lowest she could find. Due to my own clumsiness, I ended up changing my down payment amount 3 times, causing her to have to do more work with the lender, and she patiently executed all that without showing any frustration toward me! It was a pleasure working with her and I would love to approach her in the future for any mortgage needs.
Ray L
Aug 6 2024
We began working with Heather and her team earlier this year.
The process has been seamless.
Not only did she come up with a very favorable mortgage rate, but she guided us as we navigated the various steps along the way.
We would not hesitate recommending Heather to anyone seeking mortgage services.
Genevieve S
Jul 17 2024
Heather is wonderful. She is extremely knowledgeable and thorough. She explained everything to me in detail and together we came up with a plan that I am very happy and comfortable with. I absolutely recommend Heather for anyone needing an insurance broker.
Ken P
Jun 4 2024
We highly recommend Heather Richardson! She provided excellent service and made the mortgage process smooth and efficient. Knowledgeable, responsive, and easy to work with. A reliable choice for anyone looking for mortgage assistance.
Sam C
May 23 2024
Thoroughly enjoyed working with Heather. Would recommend.
Karen G
Apr 24 2024
Heather was there when I needed her and easy to talk to. I felt like I was working with a friend and it made the process way more enjoyable. Thank you Heather!
Sandra C
Jan 18 2024
Heather was very friendly and easy to deal with. She helped us through the process to a successful conclusion.
Pam S
Sep 12 2023
As a Realtor, I have occasion to refer mortgage brokers to my clients. I have referred Heather many times and she has never let me down. Heather is personable, yet very professional. She works hard to find the right product to suit their individual needs. I have also used Heather as my own mortgage broker and was impressed with the services she provided.
Sea T
Feb 5 2026
Heather and her team went above and beyond to help us with a complicated mortgage situation; she was always very patient and responsive.