Capital Mortgages is a mortgage brokerage that offers mortgage services including residential and…read morecommercial financing. They also offer consultancy services to secure financing for home purchases, refinancing and transfers. They are based and operate in Ottawa. They have extensive experience in real estate, mortgages and dealings with banks and lenders. My wife & I bought our first home in 2005, thanks to Capital Mortgages. Upon deciding on the home, we applied for a mortgage with one of the big banks that was offering a "special" rate for home buyers in the community. Unfortunately, this bank insisted on a co-signer, something I was not comfortable doing. Fortunately, I was referred to Capital Mortgages. It is owned by the parents of an old acquaintance - who competed with me during the courting phase of my relationship with my wife. But that's another story. Capital Mortgages secured a mortgage for us, with another big bank, at a much BETTER rate, than the "special" advertised rate that was previously offered. How did they do it? It was explained to my that the big banks are still very old school. When they lend money, they want to lend to people who fit in their neat, tidy square box. On our own, we were out of the box. To put it simply, Capital Mortgages helped us fit into the big bank's box. We were very fortunate to have Po Krepski working for us. Throughout our relationship with Capital Mortgages, our expectations have been exceeded time and time again. We have been consistenly surprised with the superior services provided. It's a great experience to deal with a business that takes customer service so seriously. Capital Mortgages have always made my wife and I feel important and appreciated. They go the extra mile with little details like cards on our birthdays, and Christmas. They make doing business very easy. They have consistently given more than expected. Capital Mortgages is the only financial business that we recommend to friends and associates, and because they are simply the best at what they do.

We purchased our first home in June of this year. Initially the service that we received from our…read moremortgage broker was fantastic and we felt very comfortable with our decision to have Donna as our mortgage broker. We explained to her that this was our first time purchasing a home and that we were looking for someone to hold our hand along the way, as it was something that we have never done before. We even recommended her to two of our friends who used her to purchase their condos. About a month out I began noticing some red flags. A family member was gifting us a sum of money and Donna had recommended that they transfer the money to us in multiple small amounts under $200 over a few weeks time so that the lender didn't question the funds. This was HORRIBLE advice that I am extremely happy we didn't follow as my transactions (anything over $1,000) were questioned to as far back as January 2017. Instead, my aunt provided us with a letter explaining the circumstances in which the funds were being provided. During the process, Donna had told us to budget $1,500 for closing costs with our lawyer. We asked countless times whether there were any other costs that we should budget for in relation to the purchase of a home, every time her response was no. We really put our trust in her as an expert, as mentioned previously we were looking for someone to hand hold us through the process. It was a BIG surprise for us on our closing day when the lawyer told us that our final bill would be roughly $3,500. The difference was not his fees but various fees that we should have been informed about by Donna (ie: tax on CMHC, FCT insurance, repayment of property taxes to previous owners). Our lawyer was extremely surprised that she did not mention these fees to us. One week prior to getting our keys, after providing all of our statements and transferring our down payment to the account that we were having the payment come out of, we were told the documents we provided were not good enough and were confusing to follow (ie: pulling RRSPs out as a first time home buyer). It got so down to the wire that we risked not being approved for our mortgage. We had to re-pull all of our statements which created an even bigger mess as the funds had now been transferred into our chequing account and nothing matched the original statements anymore. It was very difficult to obtain the statements as they were not accepting the ones that we downloaded from our e-banking. Most banks don't have the ability to pull statements in the branches either, they must be mailed to you. I ended up looking like a crazy person, crying to the bank manager, pleading with him to help me get a statement in time so that I didn't lose my mortgage. Two days before our closing date, we finally got notice that the new statements we were able to provide were acceptable. Our first mortgage payment was supposed to come out at the end of the month. Mid-month over $300 was taken from my account from the lender - I had no idea that this payment was coming out and was put into an NSF situation. I emailed Donna to ask her about it and she was on vacation with no contact for assistance which she was gone. It is the summer and my issue isn't that she took vacation, it's just surprising that with an large organization that someone isn't available to assist in her absence. It's been a week since she has been back and I have yet to hear from her about how the mid-month transaction affects my payment schedule, as our property taxes (which is what I assume the payment was for) and mortgage payment are supposed to be rolled into one. I had really hoped that my experience was just a one off where the ball was dropped. I recently asked one of my friends who also used Donna (on my recommendation) how her experience was. Sadly, it was even worse than mine! Apparently Donna made an $8,000 error in telling her how much her down payment should be to offset her debt ratio. When she went to her lawyer on her closing day, she had a cheque for $20,000 rather than $28,000. $8,000 isn't exactly easy to come up with at the drop of a hat - she had to delay her move in day by two weeks (if I remember correctly) and incurred astronomical costs from the builder to do so. Her mom had to provide her with the additional $8,000 and now owns 1% of her home. My other friend, who I recommended use Donna, has not closed her condo yet. I am hoping her experience is much smoother but have recommended that she change brokers to avoid any mishaps. If you plan to use Capital Mortgages, be sure to do your home work, that is my biggest regret. I had thought we had asked all of the right questions but I would recommended looking into the questions yourself as well, especially as a first time home owner. Personally, my plan is to renegotiate my mortgage with another lender the minute that I can do so without paying a penalty.

Where do I start? I had a stellar, top-notch, and perfect experience with Pierre's dedicated and…read morethorough service in the winter of 2025. With his help and great knowledge of the mortgage landscape of Quebec and Ontario (Canada), I bought a beautiful townhome in a very desirable and affluent neighbourhood. My mortgage rate is very competitive compared to what my bank offers. I highly recommend Pierre for self-employed people who have been refused by traditional lenders. You will be house-rich without breaking the bank.

If you are looking for a determine hardworking mortgage agent please reach out to Mateo Chiyangi…read morewith Dominion Lending Centre. Not only was he able to beet my previous rate with my current lender, but he stuck with me til the bitter end when other agents gave up. My situation is unique and very difficult to get a mortgage, Mateo overlooked that and work his magic. Just want to say, thank you Mateo, great work and appreciate all your efforts. I look forward to working with you on my next investment property. Cell: 613-606-2347 Fax: 613-232-5212 Mateochiyangi@dominionlending.ca www.mateochiyangi.ca

Incredible advice and quickest service. Unlike at a bank where you have to keep physically bring in…read moredocuments, I could send them through email. Highly recommend!

Nick is an excellent mortgage broker. As first-time home buyers, we had a bunch of questions about…read morethe process of getting a mortgage and the details of how it works, and Nick would respond to the questions almost as fast as we could think of them. He also gave us some valuable advice on what to look for in a mortgage as well as other aspects of the house-buying process. we would highly recommend him. In fact, we already have recommended him to other people!

In 38 years of marriage my wife and I have purchased and sold 19 homes. This sale has ranked in the…read moreTop 3 most pleasant real estate sales transactions. We had an offer as our place was being listed. It was a bit on the low side, but our agent, Tim Findlay, successfully negotiated the offer up another $13,000+ and that made a bad offer an attractive one. When it comes to marketing a home, this company is light years beyond other real estate brokers. And definitely ask for Tim!

Maha Shahbazian is simply amazing! She took on two very picky clients and spent months helping us…read morefind the perfect home. I never felt pressured to buy and in fact she'd sometimes suggest that there was something else out there for us that would meet more of our needs and wants. Maha went far above and beyond what is the normal role of a real estate agent and made us feel like family. She's always available by phone or email, quick to respond to any questions you have and follows up asap when she doesn't have the answer herself. I couldn't be more pleased with the house we purchased and the first-rate service we received as clients of Paul Rushford and Maha Shahbazian.

Dan has been our mortgage broker for years, going back to our first house purchase in 2003. He has…read morealso provided some excellent mortgages for friends of ours and for family, even in very unusual income situations. He has saved us and those whom we referred to him a lot of money on interest and has done so sharing his wealth of accumulated knowledge in a friendly and helpful manner. We just closed again on a house purchase with lots of complexity (a purchase plus) and cannot be happier! D and H

First time home buyer and ran into some issues getting approved with a bank. Found out about Dan…read morefrom a co-worker and he got us an approval within a week of talking with him. Would highly recommend Dan to any home buyer due to his knowledge and urgency to getting the job done.

Avoid at all costs -- unethical gatekeeping tactics used to restrict access to housing…read more Gatekeeping access through invasive preconditions like this fuels systemic exclusion and directly worsens Ontario's housing crisis. I contacted this agent to view a rental property and was immediately told I had to disclose my income, household debt, and credit score just to book a showing. Let me be clear: there is no legal requirement under Ontario's Residential Tenancies Act (RTA) to submit this kind of sensitive information before viewing a property. When I politely declined and asked to view the unit first, the agent refused and insisted no showing would happen unless I complied. This kind of behavior isn't just pushy -- it's unethical and likely violates legal and ethical standards, especially if the agent is RECO-licensed. It violates basic consumer protection standards and contributes to systemic exclusion in an already broken housing market. I have filed formal complaints with: - The Real Estate Council of Ontario (RECO), and - The Ontario Human Rights Tribunal (HRTO). Housing is a right -- not something you should have to qualify for before you even walk in the door.

Fady was incredible. He was kind, patient and was in constant comminication with me every step of…read morethe way. I started working with him when I was looking for a rental. He took me seriously, heard what I wanted and made sure to look for homes that he knew would suit me and my son. I would highly recommend him to anyone who is looking for a realestate agent; Fady is confident, thorough and will keep you in the loop every step of the way and someone who will continuously advocate for you.

Andrew helped us start our first home journey earlier this year. He was one of our first contacts…read morein the real estate industry as we wanted to ensure we could secure our funding prior to getting too deep into our house search. Andrew worked through the details to us over multiple meetings and taught us several of the terms and actions associated with picking the best mortgage options for us. His diligence and patience helped us secure the best possible rate we could achieve to meet our funding needs as well as to align with our risk comfort level. We always felt like we were in good hands working with Andrew and know that he was advocating for the best for our needs. I would definitely recommend working with Andrew no matter your level of experience within your real estate journey! Thanks so much for your help Andrew!

I reached out to Andrew with no expectations and very little knowledge about the whole home buying…read moreprocess. Andrew was very quick to respond and gave my husband and I amazing tips on how to buy the home we really want. He doesn't make you feel like you're just a number and he really does all the work for you - all whilst keeping you updated. Another thing that I love about his work is that he sends out useful tips by email and on his facebook page. Seeing the tips from your broker is more legitimate - unlike going on google to search for other people's home buying advice. I definitely recommend him to anyone that is looking to buy a house. He really goes out of his way to make sure that my husband and I are happy with our decisions and that we don't feel alone in this process. Being 24 I thought this was going to be a stressful and impossible process - I was wrong, it's a very exciting process thanks to Mr. Thake. 5