A clearer path to your best mortgage rate
Access 50+ lenders, live Bank of Canada data, and steady expert guidance for buying, renewing, or refinancing with confidence.
Omar Ibrahim
Mortgage Agent Level 1 Licensed in Ontario
Overnight Target Rate. Last updated June 5, 2026
Prime Rate
4.45%
All major banks
Stable
5 Year Fixed
4.4%
Best available
Trending down
5 Year Variable
3.55%
Prime less 0.90%
Trending lower
3 Year Fixed
4.2%
Best available
Trending down
Rates sourced from Bank of Canada API and lender network data. Updated daily at 9:00 AM EST.
5 Year GoC Bond
3.05%
Guides fixed rates
CPI Inflation
2.4%
Near BoC target
Why Choose Me
What you get when you work with Omar
50+
Lenders Compared For You
Your bank gives you one option. I compare dozens and match your file to the lenders that make the most sense.
Full Focus
Direct Personal Attention
You get my attention, my follow through, and a clear strategy built around your actual goals.
Zero Cost
No Fee to You
My service is completely free to you because lenders compensate the brokerage. You get expert guidance at no charge.
Live Data
Real Market Intelligence
Live Bank of Canada rates, bond yields, and market context give you decisions built on facts.
What I Do
Mortgage solutions for every stage
Whether you are buying, renewing, refinancing, or investing, I bring calm guidance and strong lender access to the table.
Buying a Home
Pre approvals, rate shopping across 50+ lenders, and clear guidance from offer to close. First time buyers and experienced purchasers are both supported with care.
Learn moreMortgage Renewal
Your renewal deserves a real comparison. I shop the market before you sign, so you can move forward knowing the offer is strong.
Learn moreRefinancing
Unlock equity, consolidate debt, or improve cash flow with a structure that makes sense. I model the full picture before recommending a move.
Learn moreFrom first call to keys in hand
A clear plan, calm communication, and strong lender execution from the first conversation to final funding.
Free Consultation
We start with a focused call. I learn your goals, answer the questions you have been sitting on, and map out exactly what the path looks like.
Application and Pre Approval
I collect the right documents, structure your file properly, and submit to the lender options that fit your profile.
Rate Shopping
I compare 50+ lenders including banks, credit unions, and monoline lenders to find the strongest pricing and terms for your file.
Close With Confidence
I manage lender communication, coordinate the next steps, and keep you informed until the file is complete and funded.
Free Consultation
We start with a focused call. I learn your goals, answer the questions you have been sitting on, and map out exactly what the path looks like.
Application and Pre Approval
I collect the right documents, structure your file properly, and submit to the lender options that fit your profile.
Rate Shopping
I compare 50+ lenders including banks, credit unions, and monoline lenders to find the strongest pricing and terms for your file.
Close With Confidence
I manage lender communication, coordinate the next steps, and keep you informed until the file is complete and funded.
Free to you from start to finish
Market Intelligence
Bank of Canada Rate Centre
Live rate data from the Bank of Canada, paired with broker insight so you can compare options with more confidence.
Bank of Canada Overnight Rate
LiveThe policy rate influences variable mortgages and lines of credit. It is a useful signal, but lender pricing still depends on the full file.
Prime Rate
4.45%
Last Decision
June 4, 2026
Next Decision
July 15, 2026
Inflation CPI
2.4%
5 Year Variable
Tracks prime with potential payment savings
3.55%
Down 0.25%3.35%Insured CMHC
For purchases with less than 20 percent down
4.15%
Down 0.20%3.95%3 Year Fixed
Flexible term with fixed payment certainty
4.2%
Down 0.10%4.00%5 Year Fixed
Popular choice for payment stability
4.4%
Down 0.15%4.20%1 Year Fixed
Short commitment with renewal flexibility
5%
No change4.80%HELOC
Home equity line of credit
5.95%
Down 0.25%5.70%
Omar Ibrahim
Mortgage Agent Level 1 FSRA #M26000343
Licensed and Active
Barrhaven Mortgage Brokerage
FSRA Brokerage #13817
Client first.
Focused entirely on you.
My practice is built to earn referrals and repeat business. That only happens when clients feel genuinely taken care of, clear advice, honest numbers, and a process that makes a complex decision feel simple.
I work with buyers and homeowners across Ontario, comparing 50+ lenders to find the right fit for your file. My service is completely free to you because lenders compensate the brokerage.
Prompt, direct responses
You get real access to your broker. Text or call and I respond with the urgency your mortgage deserves.
Full transparency on every number
I explain the rate, term, penalty clause, and total cost so you know exactly what you are signing.
Your outcome is my reputation
Every file reflects directly on me. I earn your trust by giving the file the care it deserves.
Everything you
want to know
Straight answers on rates, process, cost, and what working together actually looks like.
Your bank can only offer its own products. As a broker, I compare your application across 50+ lenders including banks, credit unions, and monoline lenders. That wider competition gives you a stronger chance at better pricing and better terms.
Nothing. My service is completely free to you. When your mortgage closes, the lender pays the brokerage. This does not affect your rate. Broker volume often gives clients access to pricing that is not published publicly.
The BoC overnight rate influences your lender's prime rate. Variable rate mortgages and HELOCs are priced from prime, so rate changes can affect them quickly. Fixed rates are driven more by Government of Canada bond yields, so they can move differently.
The right answer depends on your income stability, timeline, cash flow, and comfort with payment changes. I will model both options with real numbers so you can make the decision with clarity.
Most files need government issued ID, income documents, recent pay stubs if employed, down payment confirmation, and property details if you have an accepted offer. Self employed applicants may need additional documents. I will tell you exactly what applies to your file.
Absolutely. Renewal is one of the best times to compare. Your lender's first offer is rarely the full market. I will shop the options, negotiate where possible, and help you decide whether staying or switching is the smarter move.
Most clients receive a pre approval within one to two business days once documents are complete. Straightforward files can often move faster. A rate hold can protect your rate for up to 120 days while you shop.
Yes. Self employed clients have more options than many people realize. I work with lenders that understand business income, stated income programs, and alternative documentation when the file supports it.
Ready to find your best rate?
One conversation can give you a clear view of where you stand. I compare 50+ lenders and bring back a confident, honest path forward.
Get in Touch
Let's find your best rate
Share the key details below and I will review your file with the right context from the start.