Ottawa Mortgage Specialists and Mortgage Experts

Ottawa Mortgage Brokers: Homeownership Made Easy

Our mandate is to offer the best financing products available for all your mortgage needs. We take pride in delivering the best possible solution and fully realize that mortgages today are so much more than just rates.

Why you need a mortgage broker

If you’re looking for a mortgage to make your next move, you may need a mortgage broker. We are here to help you get the best financing options and to know all the different options. A mortgage broker works with a variety of lenders and understands the benefits of having multiple lenders on board. By doing this, we can improve your rates, put you in the best position to get the best mortgage for your needs and do the right thing for you. Since we’ve met so many different clients in our area, we are well-versed in the requirements and needs of the Ottawa and Gatineau areas. We have been able to determine what can and cannot be offered to Ottawa and Gatineau homebuyers.

What does a mortgage broker do?

The day-to-day work of the mortgage broker is mainly to acquire all of the mortgages that our clients need. There are many different types of mortgages that come with different rules and obligations. That’s why we make sure that our clients have all the options at their disposal. So how exactly do we do that? It is actually quite simple, and you are the person that needs to know. The mortgage broker is in the middle of the transaction. We are required to provide an unbiased opinion. Our goal is to provide the best and most reasonable interest rates available in the market. This is the best way to finance your home or get your mortgage sorted out in time. We take pride in the excellent customer service we offer. We specialize in full-service and all-around financing.

The finance process

It’s important to be well prepared before applying for your first mortgage. Know what you want and be ready to have the financials outlined in a short amount of time. It is much more difficult for a consumer to be able to cope with the financial situation that is required in a short amount of time. We have all been through this before so we are well equipped with advice and experience to get you into a great mortgage product, in a short amount of time.

Choosing the best mortgage product

Prior to a mortgage, there are a few things that you should consider when choosing the right mortgage product to fit your needs. Your mortgage, just like your home, is a long-term commitment and you want to be certain that the product you choose will meet all your financial needs. The main considerations that you should consider when choosing the best mortgage product are: Qualified Mortgage versus Non-Qualified Mortgage Qualifying for a mortgage is a legal and complex process.

Mortgage lending options

To be clear, getting a mortgage isn’t just about rates. It’s about meeting your financial goals – whether that’s staying with the same home, gaining equity, or getting out of debt. At Capital Mortgage Brokers, we help make those goals a reality. Unlike traditional lenders, we have a wide range of options at our disposal. We’ll help you stay within your budget by structuring your mortgage according to your unique circumstances and savings goals. We can get you on the road to financial freedom by saving you the cost of a rate increase or a high closing costs. Homeownership Made Easy. We’ve been there, and we know you can do it too. Contact Capital Mortgage Brokers in Ottawa today to start your journey towards home ownership.


In this digital age, the importance of building relationships with clients and referring them is more vital than ever before. As a mortgage broker, there are endless advantages of customer referral networks. While some brokers may boast excellent technological resources, customer referrals are still the secret to the success of a home mortgage broker.

We here at Capital Mortgages look forward to assisting you with Ottawa mortgage needs. Contact us today by calling us at: 613-228-3888 or email us direct at:

You can use these links to APPLY NOW or CONTACT US.

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Stories from our Brokers: Brad Nemes

When you’re in the market for home financing and are searching for the right mortgage to fit your needs, you want to be sure that you are in the best hands. Our team of experienced mortgage brokers and agents offer seamless solutions for all your mortgage needs — whether you’re looking to purchase a principal residence, a revenue producing property, or to refinance existing loans and mortgages.


Today we start an exciting new online series in order to help you get to know our team of brokers! By hearing stories from our brokers in their own words, we hope to give you an insight into the real people behind our dedicated team of staff — so that you’ll feel confident in choosing Capital Mortgages as your mortgage broker for life.


Name: Brad Nemes

Time with Capital Mortgages: 15 years


What do you love most about your job as a broker with Capital Mortgages?

For me, the best part of the job is saying the word ‘APPROVED’, making people happy and letting them enjoy their homes.


Tell us the most inspirational story from your work as a broker?

Recovering poor credit is always the best story. Having a client come in, helping them understand their credit score, having them fix it and then moving forward with a purchase.


Tell us the funniest or most embarrassing moment from your work as a broker?

Once a client texted me a photograph from their cell phone, of their computer screen showing their online banking balance… for a down payment!


What is your #1 piece of advice for first-time home buyers?

Be careful. There is a lot to be said for taking the time to understand the entire process and checking to make sure it’s correct. What you see on the Internet is not always true. When you search for mortgages online you get exposed to everyone’s marketing and you have to dig through the layers of that to understand the new rules of lending.


What is your favourite thing to do in Ottawa?

Finding the latest, greatest new (or old!) dinner spot with my wife. It doesn’t always have to be the most expensive but it does need to be creative and tasty. From BBQ, tacos or soup, to steak or sushi, I’m game for it all!