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3yr Fixed 3.94% 5yr Fixed 4.19% 5yr Variable 3.9% ? Updated 2026-02-24 · Insured mortgage rates (down payment < 20%). Subject to change without notice. Variable rate based on prime (4.45%), may change with each Bank of Canada announcement. Confirm your rate
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Dominion Lending Centres Integrity Financing Brokerage Licence #10933

Philippe Alexandre

Originator Licence #M24002124
phil@philippealexandre.ca 613-318-6315

Mortgage Agent in Hawkesbury, Ontario - Philippe Alexandre

Mortgage Agent in Hawkesbury, Ontario

Hawkesbury is the largest town in Prescott and Russell County - a vibrant bilingual community on the Ottawa River with a real estate market that ranges from affordable starter homes to waterfront properties. Whether you’re buying your first home, coming up for renewal, or refinancing, I compare rates from over 30 lenders to find the right solution for your situation.

Hawkesbury’s Mortgage Market

Hawkesbury offers some of Eastern Ontario’s most affordable housing relative to income, which makes it particularly attractive for first-time buyers. The town’s bilingual character - heavily francophone, with strong English-speaking presence - means buyers here benefit from a mortgage agent who can work seamlessly in either language.

Renewals are especially important in Hawkesbury. Because many residents have been in their homes for years, renewal season brings significant opportunity to improve on what the bank is offering. Banks count on local clients assuming their renewal offer is the best available - it rarely is.

Three Scenarios I Help Hawkesbury Residents With

First-time buyers: Hawkesbury’s price point makes it one of the more accessible entry markets in Eastern Ontario. I help first-time buyers understand what they qualify for, navigate the stress test, and find lenders that offer competitive rates on insured mortgages (down payment under 20%).

Renewals: If your bank has sent you a renewal offer, don’t sign it before comparing. I’ve seen cases where banks move to lock in a renewal before the client has had a chance to review their options - sometimes without the client fully initiating the process. A quick call before your renewal date can save you thousands over the next term.

Refinancing: Accessing home equity for renovations, debt consolidation, or other purposes is common in Hawkesbury. I work with lenders who offer competitive refinance rates and can structure the right solution depending on your remaining amortization and current rate environment.

Part of Prescott and Russell County - I serve all municipalities in the region.

Book a Free Consultation

Book a free 15-minute consultation or call me directly at 613-318-6315.