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My Rates

6 Months 3.14%
1 Year 2.89%
2 Years 2.94%
3 Years 3.09%
4 Years 3.29%
5 Years 3.24%
7 Years 3.79%
10 Years 4.09%
6 Months Open 6.00%
1 Year Open 3.95%
*Rates subject to change and OAC
AGENT LICENSE ID
M080000579
BROKERAGE LICENSE ID
10575
Brad Nemes Mortgage Agent

Brad Nemes

Mortgage Agent


Phone:
Address:
Suite 200 - 260 Hearst Way, Kanata, Ontario

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It PAYS to shop around.


As Your Independent Mortgage Agent…

I understand your needs. I will find you the best rate! I do business with many lenders. This is in contrast to traditional institutions concerned in selling only their own mortgage products. Dealing with a multitude of lenders means that I will shop the market on your behalf to find the right mortgage to best meet your particular requirements. I have access to a wide range of services and products to ensure your mortgage needs are met precisely at the most competitive terms. I am registered with the Ministry of Finance and have completed an education program administered by Seneca College, and continue to update my education annually. I am obligated to uphold your confidentiality: privacy is always assured.

I provide peace of mind...come and meet with me today!

Why should I choose to use a mortgage agent?

My role as a mortgage agent is to act on your behalf. I have your best interests in mind and will find the best mortgage for you. As an Independent Mortgage Agent, I do not work for an individual institution nor am I mandated by any one lending institution. I have a long list of lenders to choose from. My Goal is to get you the best possible mortgage that you qualify for through fast, professional, and personal service. From first time home buyers to seasoned real estate investors, I will take the time to work with you though your individual situation.

I have been working as an agent since 2003 and I have funded over $110 million in mortgages, and counting.  I fund not only low-interest rate mortgages for residential homes; I also fund many different types of properties in the market place. I also fund mortgages across the country should you choose to purchase out-of-province.  Residential or commercial, there is a mortgage for you!

Why choose Capital Mortgages?

I work as a Mortgage Agent with Capital Mortgages. Capital Mortgages is one of the largest and most notable Mortgage Brokerage Firms in Ottawa. Capital Mortgages was established in 1999 and is proud to have served thousands and thousands of clients representing over ¾ of a billion dollars in total mortgage volume.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal.

So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.


BLOG / NEWS Updates

Toronto index stopped trending down in January

In January the TeranetNational Bank National Composite House Price IndexTM rose 0.3% from the previous month, a tic higher than the historical average for January and a second consecutive monthly increase. However, only four of the 11 metropolitan markets surveyed showed gains the first time since January 2016 that a rise in the Composite Index has had so little breadth. It was due mainly to a second straight monthly jump of the index for the important Vancouver market (1.2% in January on the heels of 1.3% in December). The Toronto index rose 0.2%, the Victoria index 1.0% and the Montreal index edged up 0.1%. All the other component indexes were down on the month: Hamilton (0.2%), Ottawa-Gatineau ( 0.2%), Edmonton (0.3%), Calgary (0.3%), Halifax (-1.0%), Winnipeg (1.1%) and Quebec City (2.0%). For Montreal, it was a 13th monthly increase, and for Hamilton it was a fifth decrease in a row. The rise of the Toronto index was the first in six months. The raw (unsmoothed) Toronto index [1] on which it is based was up for a third consecutive month. The firming of the smoothed index is due entirely to condo dwellings. The smoothed index for non-condo units fell in January for a sixth straight month, bringing its cumulative decline to 9.6%. Click here for full release. https://housepriceindex.ca/2018/02/toronto-index-stopped-trending-down-in-january/

2018 CMHC Prospective Home Buyers Survey

In October 2017, CMHC surveyed 2,507 prospective home buyers on-line. Respondents were all prime household decision-makers who intend to purchase a new home within the next two years, including approximately 1,500 First-Time Buyers, 500 current owners, and 500 previous owners. The survey results highlight that: First-Time Buyers and Previous Owners share the same top motivator to purchase a home: they want to stop renting. Improved accessibility (physical obstacles and barriers) and investment opportunity were also noted as top motivators across all groups. Changes to mortgage regulations and concerns about possible future interest rate increases were not among the top motivators. Over four-in-ten First-Time Buyers and Previous Owners say they would delay their home purchase if they were not able to find their ideal home, with a fairly similar proportion saying they would be willing to compromise on the size of the home and location. The majority of future home buyers intend to obtain a mortgage to finance their home purchase, with First-Time Buyers showing higher incidence compared to Previous Owners and Current Owners. Across all future home buyers groups, more than six-in-ten say they are likely to have a financial buffer in case their expenses change in the future. Furthermore, the majority of future home buyers, especially Current Owners, agree that they feel confident they have the necessary tools and information to manage their mortgage and debt load. Among all groups, the two most common actions completed one to two years prior to the purchase of a home were saving for a down payment and determining what type of home to buy. On the other hand, in the last three months before purchasing, about two-in ten of prospective buyers pre-qualify for a mortgage. About one-in-four prospective home buyers stated that they would be very likely to consider delaying their purchase in the event of an increase in interest rates.

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TD Bank Scotia Bank First National B2B Bank Home Trust
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