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My Rates

6 Months 3.14%
1 Year 3.04%
2 Years 3.19%
3 Years 3.39%
4 Years 3.44%
5 Years 3.49%
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

Stress Test Best Practices Tool Kit

With the new Office of the Superintendent of Financial Institutions stress test rules firmly in place since January, Canadian homebuyers have learned they need to arm themselves with practical information on how they can ensure they are stress-test ready. The following is a guide and best practices tool kit for those about to embark on securing their new or next mortgage: Make a financial plan Any time a big purchase is at stake, laying out a financial plan is always the best first step to take. By creating a plan, home buyers can protect themselves from increased interest rates and ensure they are staying on budget. Have a contingency fund Without question and now more than ever, home buyers need to establish contingency funds. Its incredibly important to have funds set aside when unexpected costs such as property repairs arise. An established contingency fund also looks good to financial lenders. Pay off debts and increase downpayment The most important tool in the Best Practices Tool Kit is to pay off debts as quickly as possible and maximize your down payment. If you already have a mortgage, increase the frequency of payments by taking advantage of what the financial institution offers such as accelerated bi-weekly payments. Broaden search parameters Although you may have an ideal neighbourhood in mind, it is important to also consider broadening those search parameters. Often there are homes in other neighborhoods that could be a perfect choice if you are willing to commute a little longer. Im here to help you I can help you to navigate confusion surrounding the stress test. Ultimately, being stress test ready means being ready for future increases in rate so that you can afford your next home comfortably on your budget.

Preventing Falls on Stairs

Accessible housing refers to homes that are designed or modified to enable independent living for all residents, including seniors or persons with disabilities. Accessibility can be achieved through architectural design and also by integrating accessibility features, such as lowered light switches, grab bars, walk-in bathtubs, lowered shelves and cupboards, modified furniture or by installing electronic devices in the home. Stairs in the home can be dangerous and can be a barrier to accessibility unless they are designed or modified to reduce the risk of falls. If residents have limited mobility, it may be necessary to install ramps, home elevators or stairlifts to make the home safe and accessible. A high percentage of Canadians who visit hospitals after a fall on or from stairs or steps in their homes are seniors (men and women 65 years or older). When seniors fall, the consequences can be severe and long-lasting. Most falls on stairs can be prevented. Prevention starts by keeping in mind that there are risks in using stairs. Good planning and simple strategies can help prevent falls and injuries. Click here for more information https://www.cmhc-schl.gc.ca/odpub/pdf/63637.pdf?fr=1441901329905

MY LENDERS

TD Bank Scotia Bank First National B2B Bank Home Trust
MCAP Merix Industrial Alliance Optimum Canadiana Financial
Equitable Bank ICICI Bank Fisgard Capital  RMG Mortgages Street Capital