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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
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

Bank of Canada increases overnight rate target to 3/4 per cent

The Bank of Canada is raising its target for the overnight rate to 3/4 per cent. The Bank Rate is correspondingly 1 per cent and the deposit rate is 1/2 per cent. Recent data have bolstered the Banks confidence in its outlook for above-potential growth and the absorption of excess capacity in the economy. The Bank acknowledges recent softness in inflation but judges this to be temporary. Recognizing the lag between monetary policy actions and future inflation, Governing Council considers it appropriate to raise its overnight rate target at this time. The global economy continues to strengthen and growth is broadening across countries and regions. The US economy was tepid in the first quarter of 2017 but is now growing at a solid pace, underpinned by a robust labour market and stronger investment. Above-potential growth is becoming more widespread in the euro area. However, elevated geopolitical uncertainty still clouds the global outlook, particularly for trade and investment. Meanwhile, world oil prices have softened as markets work toward a new supply/demand balance. Canadas economy has been robust, fuelled by household spending. As a result, a significant amount of economic slack has been absorbed. The very strong growth of the first quarter is expected to moderate over the balance of the year, but remain above potential. Growth is broadening across industries and regions and therefore becoming more sustainable. As the adjustment to lower oil prices is largely complete, both the goods and services sectors are expanding. Household spending will likely remain solid in the months ahead, supported by rising employment and wages, but its pace is expected to slow over the projection horizon. At the same time, exports should make an increasing contribution to GDP growth. Business investment should also add to growth, a view supported by the most recent Business Outlook Survey. The Bank estimates real GDP growth will moderate further over the projection horizon, from 2.8 per cent in 2017 to 2.0 per cent in 2018 and 1.6 per cent in 2019. The output gap is now projected to close around the end of 2017, earlier than the Bank anticipated in its April Monetary Policy Report (MPR). CPI inflation has eased in recent months and the Banks three measures of core inflation all remain below 2 per cent. The factors behind soft inflation appear to be mostly temporary, including heightened food price competition, electricity rebates in Ontario, and changes in automobile pricing. As the effects of these relative price movements fade and excess capacity is absorbed, the Bank expects inflation to return to close to 2 per cent by the middle of 2018. The Bank will continue to analyze short-term inflation fluctuations to determine the extent to which it remains appropriate to look through them. Governing Council judges that the current outlook warrants todays withdrawal of some of the monetary policy stimulus in the economy. Future adjustments to the target for the overnight rate will be guided by incoming data as they inform the Banks inflation outlook, keeping in mind continued uncertainty and financial system vulnerabilities. Information note The next scheduled date for announcing the overnight rate target is September 6, 2017. The next full update of the Banks outlook for the economy and inflation, including risks to the projection, will be published in the MPR on October 25, 2017.

Canada Day

This is an opportunity to gather in our communities, from coast to coast to coast, and to proudly celebrate all we have in common. It is an opportunity to celebrate our achievements, which were born in the audacious vision and shared values of our ancestors, and which are voiced in nearly all of the languages of the world through the contribution of New Canadians. Canada Dayis a time to celebrate the heritage passed down to us through the works of our authors, poets, artists and performers. It is a time to rejoice in the discoveries of our scientific researchers, in the success of our entrepreneurs, and to commemorate our history a history in which each new chapter reveals itself to be more touching, more fascinating than the last. In this momentous year marking the 150th anniversary of Confederation, our Canada Day celebrations will be bigger than ever! There will be major celebrations in 19 Canadian cities in addition to the many festivities set to take place in various communities from coast to coast. A full weekend of activities is also on the agenda in Canadas Capital Region to celebrate Canada Day and our countrys anniversary in a spectacular way. As we look ahead, we have every reason to show our pride in being Canadian and to face the future with confidence and enthusiasm. www.canada.ca Activities across Canada Find out what activities are going on in your region and across the country: Click here for a list of activities Interactive Google Map Cickhere to view the googlemap _____________________________________________________________________________________

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