I was overwhelmed with all my debts, I contacted other companies but they were not as helpful.Than…read moreI spoke with Vision Debt Services, they said the would walk the Path of Financial Freedom with me and they have. I am grateful and relieved, the calls have stopped and i don't worry when the phone rings. I am saving thousands of dollars and am so happy! thank you so much for helping me. J

Looking to secure the best mortgage rate can be a difficult and time consuming task and it leaves…read moreyou wondering... Could I have found a better rate elsewhere? Our first mortgage, in 1999, was with OCM and I remember how Richard Hanoski made the process so easy for us with a much better rate than what the banks had been offering us. I looked up OCM again as this time we were refinancing with a brand new mortgage and a secured line of credit. I made an application and discovered Richard was still with OCM! Without hesitation, I knew I was going with OCM. Richard contacted me and went to work to find the best rate and he came through! The online experience was easy and secure ( I never had to leave my house!). Richard is great to work with and will answer every question you have, promptly. He's professional, knowledgeable, and easy to talk to. Again, I was in good hands with no worries and got the rates and terms I could never have gotten by myself (or through other sites that are misleading). I would highly recommend their services to my friends and family. Thank you Richard, thank you OCM!

We were referred to Ottawa Carelton Mortgage broker by a friend…read more The individual we were referred to wasn't avaliable and we were put in contact with Chris Levesque instead. At first he was very helpful and eager to assist us over the phone. After we had signed with him his avaliablitity, emails and phone calls stopped abruptly. We even stopped in the office a couple times and he was unavalibale each time. He provided false information on details of our agreement and took over three weeks to return our multiple phone calls and emails. It wasn't until after the deal went through that we heard back from him. In the end a more senior broker within the office handled all our questions and everything was okay but I wouldn't recommend Chris Levesque to anyone.

Thomas did a great job finding me my house insurance. He was very professional, efficient and easy…read moreto work with. Excellent Broker.

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.

Very good guidance and expert service for my car insurance. Helpful, and quick-to-respond. I am…read morepleased with their support and quotes. I have my home insurance & my car's insurance with this Agency. -Arif & Salima, Kanata.

If I could give zero stars I would. This company has done nothing but cause me stress and a…read moredraining bank account after I've been a loyal customer for 10 years, with no at-fault claims, I am 29 years old and a safe driver. I can barely afford groceries or basic living expenses because of this. My rate has only increased every year while I was being told the at the same time that my rate should lower. I was then told by Jameel aggressively that I know nothing about insurance and this is just "how it is". Absolutely horrible.