My Rates

6 Months 3.95%
1 Year 2.98%
2 Years 2.98%
3 Years 2.98%
4 Years 2.94%
5 Years 2.54%
7 Years 2.98%
10 Years 3.84%
6 Months Open 6.00%
1 Year Open 6.00%
*Rates subject to change and OAC
Brad Nemes Mortgage Agent

Brad Nemes

Mortgage Agent

Suite 200 - 260 Hearst Way, Kanata, Ontario









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

3 Things You Should Pay Attention to When You're Shopping for a Home in Ottawa

A lot of people strive to have a home to call their own. So, if you are searching for a home to buy, you deserve to be congratulated as you are on your way to achieving one of your dreams. However, even though purchasing a home is a rewarding experience, it not without its headaches. For one, you may purchase a home that does not suit you, and you may end up regretting your decisions, sometimes after spending lots of money on home renovation without achieving your desired goals. Therefore, you must understand what you need, want, and desire in a home before venturing out to purchase one. Usually, by the time you have decided to purchase your home, and are out searching for one, you will most likely have grasped the essentials, which includes a home with a solid foundation, non-leaking roofs, and proper electrical wiring. Nonetheless, there are three other things that you need to consider before purchasing the home, as they will determine your quality of life in your new home in Ottawa, Canada. These three considerations are: 1. Quality of Natural Lighting Natural light improves your home experience by not only providing ample illumination but by also making you feel good. You, therefore, need to buy a home that allows in ample natural light. Moreover, a dimly lit house prevents you from properly surveying its in-house features when you are visiting it for the first time, and even during subsequent visits. It is, therefore, advisable that you schedule your daytime viewings to ensure that you view the house during mornings, afternoons, and evenings. This will allow you to gauge how much natural light gets into the house. Furthermore, purchasing a home with ample natural lighting will save you the costs of future renovations, including resizing of windows and purchasing new window panels, when you decide to increase the amount of daytime natural light that lights up your home. 2. State of Driveway and Parking Space The size and state of your driveway contribute to your home experience. A narrow or short driveway that forces you to park your car on the street is most likely to make you feel short-changed about your home purchase. A properly sized driveway and ample parking space will allow you to not only enjoy your home but also to be able to invite friends into your home without worrying about where their cars will be parked. 3. Neighborhood This is one of the most important considerations. You must always remember the neighborhood where your house is located so that you can determine whether you will fit in, or if you like it. It is advisable that you buy a house that is located in a neighborhood that you respect and love; as this will allow you to smoothly integrate into the community, and experience its social life. Moreover, if you have children, you should find out if there are schools in the neighborhood. Besides, if you purchase a home located close to a school, you can be assured that its resale value will increase in the future. Finally, you must familiarize yourself with the bylaws, restrictions, and other guidelines that govern your neighborhood.

How Much Does Home Ownership Really Cost?

Many first time home buyers are so eager to join the home ownership club that they do not consider the true costs of home ownership. The cost of home ownership is more than just the amount you pay each month for your mortgage. According to Brad Nemes of BradsMortgages.com, Most people just stop to consider their monthly mortgage payments. But there are other costs that are associated with home ownership. It is important for owners to factor in these costs when deciding what home they want to purchase. How much will your new home cost you each month? What type of expenses should first time home owners consider when buying a home? There are quite a few things to consider. * The 1/3 rule of thumb. To comfortably afford your home, your mortgage should not be more than 33% or one-third of your income. Some experts recommend keeping that amount to about 25%, * Factor in incidental costs. In most cases, you will need money for a down payment. Depending upon the type of mortgage, you may need anywhere from 5 percent to 15 percent of the purchase price. You will probably also need to pay for the home inspection. These inspections can run start about $300 and up. If you buy a rural property, also include a septic inspection for about the same cost or more. * Closing costs. Closing costs will run anywhere from 1% to 2% of the cost of your home. * Taxes. Depending on where you live, you may need to pay a transfer tax or a home occupancy tax. This can vary from several hundred dollars to several thousand dollars depending on your community. * Home Owner Association fees. If you are purchasing a condominium, you may need to pay condominium fees. In some areas, home owners must pay a home owner association fees each month. * Incidental fees. Most homeowners want to paint or buy new curtains for their home. Some homeowners may go a little bit further, and they may decide to put down new flooring or purchase furniture. Remember to include these fees in your budget. * Ongoing expenses. There are other expenses including home maintenance expenses and taxes to consider. Also, you should consider the costs of utilities too. The bigger the house, the greater the costs. A larger home will cost more to heat or to cool than a smaller house. * Changes in interest rates. Right now, interest rates are at an all-time low. Depending upon your mortgage, your interest rates may not stay the same for the life of your mortgage. When interest rates rise, your mortgage rates will also rise. You should factor this into your budget when deciding if you can afford a home. * Insurance fees. You will also need homeowners insurance to cover your property in the case of some events. Depending on where you live, you may also need to purchase a specialized type of home owners insurance. For example, you may need to purchase flood insurance or hurricane insurance in addition to your regular insurance policy. Insurance policies must be paid to take effect when you move into your new home. If you are building a home, you will need insurance even if you just have a lot. Many experts also recommend having a savings account for emergencies or other expenses that may arise. According to Brad, It is important not to cut yourself short. You want a financial cushion available just in case of an emergency. For example, if your air conditioning system or furnace should go out, you will need the money to fix the problem. According to Brad, you should set aside $200 each month to build a financial cushion. This cushion can be used for emergencies or routine maintenance. All of these expenses may seem a little bit overwhelming, especially if you have never owned a home before. One good way to get used to paying a mortgage and expenses is to start putting aside the difference between your rent and your mortgage in a savings account. If you are paying $1000 for rent and you are looking at a $2000 mortgage payment, put the $1000 difference in a savings account. Not only will you get used to carrying the larger mortgage, but you will also be putting money aside to pay for incidental moving expenses. Says one prospective homeowner, I was worried when we decided to buy our first home. But because we had been putting money aside each month, we knew that we could afford the higher monthly payment. Instead of panicking, we knew we would be okay.


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