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My Rates

6 Months 3.14%
1 Year 3.19%
2 Years 3.19%
3 Years 3.54%
4 Years 3.64%
5 Years 3.74%
7 Years 4.04%
10 Years 4.24%
6 Months Open 6.70%
1 Year Open 4.20%
*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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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

Student Challenge Winners Bring Innovative Ideas to Creating Affordable Rental Housing in Canada

With innovative and fresh approaches to create more affordable rental housing in the country, the Honourable Jean-Yves Duclos, Minister of Families, Children and Social Development and Minister Responsible for Canada Mortgage and Housing Corporation, announced the winners of the Innovation Fund Student Challenge. Three teams have been selected as winners earning the full award of $10,000: The Beaver York University Compact Homes: Innovative Solutions Solving the Affordability Challenge Queens University The Jetty: An Affordable Housing Cooperative Dalhousie University The Beaver York University Michael Kenny, Bria Hamilton, Allison Evans, Helen Lam, Jane Bae The Beaver Co-op is a proposed 12-story affordable rental apartment building that incorporates an innovative building technique and cost-saving measure through the use of mass timber construction in affordable housing, which is still relatively new to the sector. Passive design and green technology are incorporated to minimize waste and energy usage. The financial innovation stems from the multi-stakeholder community development approach that aims to generate financial support via community bonds, union pension funds, and credit unions. Compact Homes: Innovative Solutions Solving the Affordability Challenge Queens University Lindsay Allman, Andrew Eberhard, Gabrielle Snow, Peter Huan The Compact Homes project proposes an innovative Tiny Home Community that seeks to leverage existing programs and lands to produce single occupant, rent geared to income units, and can be constructed to meet stringent accessibility and environmental efficiency requirements. The Jetty: An Affordable Housing Cooperative Dalhousie University Juniper Littlefield, Mitch Gold, Lina El-Setouhy, Chloe Espiard The Jetty Affordable Housing project proposes a housing cooperative operated in partnership with local post-secondary institutions, targeting the student population with recycled shipping container apartments, as well as providing additional housing for seniors, singles and families. https://www.cmhc-schl.gc.ca/en/media-newsroom/news-releases/2018/student-challenge-winners-bring-innovative-ideas-creating-affordable-rental-housing-canada

Tips and tricks for a trouble-free Thanksgiving

(NC) From turkey prep to the table settings, Thanksgiving can be a big undertaking for even the most experienced entertainer. To the rescue is lifestyle expert Pay Chen, who shares her tips on making holiday entertaining a breeze. Create a schedule. With multiple dishes to prep and heat, its easy to lose track of time. Use a schedule to ensure that youre staying on track. Start at the meal itself and work backwards. And dont forget that you want to give the turkey time to rest and be carved, so have the cooked turkey out of the oven an hour before you want everyone to sit down and eat. Set the table early in the week. Time flies on the big day and setting the table can sometimes be an afterthought. But according to Chen, the table sets the ambiance for the evening. Since theres nothing time-sensitive about table setting, she suggests getting everything prepped and polished a few days in advance and letting it sit ready until guests arrive. Bonus? Youll spot any unforeseen stains in your linens with plenty of time to have them cleaned. Outsource dessert.The less time you spend in the kitchen, the more time you have to be with your family, says Chen. If youre strapped for time, dont be afraid to look for simple, pre-made solutions. Store-bought doesnt have to mean a compromise in quality. For example, theres a new collection of fresh-from-frozen treats from Chudleighs, an Ontario apple farm. Their scratch-made, single-serve Apple Blossoms can be reheated in the oven or microwave in minutes. Finish the plate with a small scoop of ice cream and enjoy some well-deserved rest at the end of the meal. Embrace the kids table. Thanksgiving is about bringing family together, but it doesnt have to be about wrangling squirming kids into place for a long meal. A kids table is a welcome way to keep little ones entertained throughout dinner. Cover the surface of a small table with kraft paper and set out crayons for kids to draw or play tic-tac-toe, says Chen. The best part? Clean-up is a cinch. Prep for leftovers. Many people consider leftovers the best part of the meal, but not if youre not prepared for them. Chen suggests cleaning out your fridge a few days before to free up space. And dont be afraid to share the wealth. Pick up a cheap and cheerful set of Tupperware that you can use to send leftovers home with your guests. A parting gift of turkey and mashed potatoes? Thats something everyone will be thankful for. Find more information online at chudleighs.com. http://www.newscanada.com/en/Tips-and-tricks-for-a-trouble-free-Thanksgiving-92950

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TD Bank Scotia Bank Attain Mortgage First National MCAP Home Trust
Merix Equitable Bank Street Capital CMLS Fisgard Capital ICICI Bank
Optimum  RMG Mortgages Bridgewater Marathon Mortgages