Hemesh Kapadia

This was first time ever working with a broker and moving my mortgage to another financial institution. Hemesh Kapadia was fantastic to work with. He was highly responsive when I had any questions regarding my mortgage renewal and made the entire process feel easy. Ratehub by fair beat out the competition when it came to offering a competitive rate. Would highly recommend ratehub & Hemesh to anyone in the market for a broker. - Ruthie H

I just recently transferred my current mortgage from RBC to Rate Hub. My original agent was on a leave or holiday when the transfer was to happen. Hemesh stepped in at the last minute to clear up a couple last minute details that were required. Hemesh made me feel confident that everything was in place and there would be no issues. The transfer went according to plans. I would recommend Rate Hub and there agents for your mortgage needs. - Dan Davidson

Hemesh Kapadia at Ratehub is absolutely outstanding! He provided the best mortgage advice to us and was there for us 24/7 whenever we had any questions. Highly recommend dealing with Hemesh at ratehub! - Payal Khusal

We worked with Hemesh Kapadia. He worked hard to get us the best rate and kept his promises. - leslie graham

Ratehub is the best mortgage broker I have ever worked with so far. The company is very helpful and provides best possible mortgage rates for the customers. The staff are nice and easy to reach. They answer any question you have regarding mortgage application and process momentarily. I have very good experience with the company and staff. Especially, I really appreciate Hemesh Kapadia who handled my mortgage very smoothly. He helped me to get the best mortgage rate. I recommend the Ratehub to everyone. - Arslan ATA

We had an amazing experience from start to finish, I would definitely recommend using RateHub! Hemesh was professional, prompt, and helped us understand all the ins and outs of the mortgage process, and we got our approval completed even with a short window of time. - Mandi Arthur

NOT PLEASE with Canwise which is now ratehub. very hard to communicate with them, no email or contact back from my broker, now im left with a huge tax bill due to an error on Hermeshes end. - Jesse James

I have worked with Hemesh Kapadia twice now on mortgages and both times he if professional, experienced and knowledgeable answering the myriad of questions I had along the way. When I am ready again to look at my mortgage, I will reach out to Hemesh! Great service and friendly!! thank you, Hemesh! Cathe - Cathe McIntosh

I wasn't really seriously thinking about refinancing but Hemesh showed me how I could save a significant amount of money by pooling car loans etc into my mortgage and taking it all at a much lower rate than I was getting. Even with a penalty to my previous mortgage company, I am still WAY ahead both monthly and in the long term. Dealing with Hemesh was wonderful and I would highly recommend CanWise. - Gloria Galloway

My mortgage process was seamless and flawless thanks to the expert guidance of Hemesh Kapadia. I will definitely recommend and always bring my business to CanWise. Thanks for building such a great team of brokers. - Ayoola Makinde

Hemesh at Canwise helped me secure financing of my virtual home purchase in Yellowknife, NT. He was responsive to my questions and concerns. Canwise has access to the lowest rates, from major and minor lenders. As a military member, moving is part of the job. I will be a return customer! - Ethan R Labelle

Applying for a mortgage can cause lots of anxieties. Hemesh Kapadia had been helpful and patient to get us a pre-approval and then a great rate for our purchase. Thanks! -Kevin Chan

Great company. Knowledgeable staff. Lowest rate. Worked with Hemesh K. who was professional and guided us all the way. He would respond to queries promptly. Delivered what was promised. Would not hesitate to recommend to anyone looking for a mortgage. - Alain Chan

Great service and communication! - Sharon Steele

Awesome service, I was lucky to work with Hemesh - He provided amazing customer service. As a first time home buyer, I had many questions, and Hemesh assisted me through the process, explained everything thoroughly. He was very transparent and frank, I never felt any pressure to lean one way or another. He secured me the best available rate in market, and was very responsive and easily reachable for the entire process. I would definitely recommend CanWise to anyone - VIRAJ BHATT

Hemesh from CanWise was a pleasure to work with. He got us unbelievable rates, spent time explaining each step of the process and was very reachable. Super friendly and helped make our first time home buying process extremely seamless. Thank you Hemesh! -Carrie Poteck

Did not like the wrong/opposite information provided at very/extremely wrong stage of my mortgage application by Canwise. (During the extremely stressful condition!!) -gm jadeja

I thoroughly enjoyed dealing with Hemesh. We have had several mortgages through the CIBC over the years, but thought we would try something different this time, so needless to say we needed all the help we could get. Hemesh walked me through the process, offered financial advice, and was extremely helpful along the way. I have already told him I will definitely be contacting him again for future borrowing needs! - PAUL CLARK

I'm very happy with the service I got from Hemesh. I recently purchased a condo for my daughter. He was always available to answer my questions and responded quickly to my emails. He explored lenders and found the best rate for us, then guided us through the approval process in a stress-free way. I highly recommend Hemesh to anyone in need of a broker. Great job! - ilan rashish

We are not surprised to see excellent reviews about CanWise Financial. We have recently remortgaged our house through one of their mortgage specialist's Hemesh Kapadia and if other agents are as good as he is, then you have nothing to lose and a lot to gain. We have decided to break our mortgage contract, pay the penalty and try another bank. My husband simply Googled the best financial mortgage reviews and that's how we ended up with Hemesh. He is professional, enjoyable to talk to, humorous, and a real problem-solver. He is quick on his feet, punctual, knowledgeable, and excellent in calculations. We have tried several professionals before and no one compared to Hemesh. He was patient and clear in explaining the options, process and outcomes and he got us the deal that we wouldn't have gotten from others. Highly recommend. Thank you, Hemesh! Dorota and Vlad - Dorota Trnik

Like Hemesh of Canwise put it succinctly, it is not really fun going through the mortgage renewal process, but he and his team addressed all the issues and made sure it was as painfree as possible. I'd be very happy to recommend Canwise to my friends without any hesitation. And this is the second time I'm dealing with Canwise and both experiences have been great! - Ravi Jagannathan

Great service, great rates. Modern company. Highly recommend. - Zack White

Great experience throughout the entire process. Best rates I could find! Will definitely use Canwise for my next mortgage renewal. Hemesh was great to work with! - Dave Miller

Hemesh was my Mortgage Agent, who is a wonderful professional person. Than you for your hard work - Masood Sedghi Alherd

I hired Hemesh few moths ago when my morgage needed to be renew. I was vary happy with his service, and the rate that he got me. I found him very proffesional, unlike the bank morgage specialist that I found "pushy". I have alreasy recomended him to my neighbours who are looking for a morgage renewal - Greg Holubko

From start to finish, my experience with CanWise Financial and Hemesh has been exceptional. He defied common practice and came across as more of a "mortgage coach", focused on helping me make an educated series of decisions, rather than just a "mortgage agent", simply pushing for a quick sale. His manner and advice was at all times professional yet delivered with clarity, empathy and a dose of good humour. As a result of my amazing experience with Hemesh, I have already referred two of my colleagues to CanWise and will continue to do so at every opportunity. - Carl M

Mr. Hemesh help me a lot make it very easy transition from start to finish. Had excellent customers service from him. I will never deal with bank again after CanWise , thanks again - Oscar Sen

I have great experience with CanWise in process of refinancing mortgage. From the beginning Hemesh was very professional, courteous, knowledgeable and responsive to my various enquiries. He also ensured that I received very competitive rate and made sure mortgage deal is closed on time. Any questions that I had or concern he answered promptly and keep me inform throughout whole process. I am very happy with representation and would work with Hemesh and CanWise again. - Sonja K

Hemesh Kapadia helped us get a mortgage with 1.69% interest during a time when lenders were being extremely careful. - Garret Cree

My agent was actually Harish Mamidi but he is not in the list. good communication and customer service

Did my research and contacted a number of firms before deciding on Canwise. Hemesh was organized professional, knowledgeable and friendly. Hemesh made the whole process very quick and smooth. Definitely would recommend dealing with Hemesh and Canwise. - Lori S

I recently refinanced my mortgage with CanWise. Hemesh Kapadia was a great contact, partner and support! We got me an amazing rate (much less that precious fixed mortgage) and stayed connected with me throughout the process. Highly recommend! - Theo Wolski

Was very informative

Good person to discuss Mortgage renewal and awaiting to see if there will be a rate drop.

Swift and knowledgeable. Great help.

CanWise Financial responded within a day. Although we had continued with the same financing institution, the representative was helpful. The representative was: Harish Mamidi.

Well informed and confident

Very friendly and approachable. He was patient and knowledgable when dealing with my questions. Looking forward to speaking with him again.

Got in touch promptly. Answered my questions thoroughly.

Friendly and Professional.

Worth taking the time to talk to. Very professional, communication is some times difficult, but worth while. Keith Lesaux

Very helpful.

Rep was courteous, knowledgeable and helpful.

Mesh is the character I dealt with for my renewal. I like to add the service I received from him is amazing. He got me the best variable rate during my "hectic" shopping. Very professional and friendly to deal with. Call are return within 24hrs...very patient and very helpful. CanWise Financial do provide great rate's out there. THANK YOU!! AJ

Awesome service!

Hemesh Kapadia was in charge of my Mortgage. He was very professional and friendly at the same time. He got me a deal that I couldn't find anywhere else, even though I shopped around with 3 different brokers. A few days before the closing day, I signed my closing and mortgage papers with my lawyer. I was extremely happy with my low rate. Hemesh then calls me later telling me that he called the bank for an even lower rate. I've already signed my papers and my lawyer was going to charge me more to review the revised mortgage documents. He already had my business, I've already signed my documents, but he went out of his way to call the bank to lower my rate internally. I cannot stop saying good things about them. I've also told my friend who works for a mortgage broker and he is going to get his mortgage with Canwise because he cannot get this kind of rate with his own employer. Thank you for being professional and saving me a lot of money. Minjae Kim

I have not been able to connect with Hemesh. We have played phone and email tag and his voicemail does not appear to work.

Very polite and professional

Quick contact, polite and to the point, answered all questions, very helpful.

Quick call back , friendly knowledgeable

Was very friendly, however, did not clarify much and prompted me to do everything online and call back if I had any concerns. Im sure he Did not intend to, but it made the first-time mortgage experience intimidating.

Good advice provided

Thank you for your honest advise and guidance toward my mortgage shopping, I have been offered the best rate.

Agent was thorough and informative.

Hemesh was open, honest, and extremely willing to help.

Very easy to deal with. Very accommodating. Site offered good information on competitive rates.

Very helpful and professional. Quick to respond and no high pressure sales tactics.

I used CanWise Financial to help me transfer my mortgage from one provider to another in order to take advantage of a lower interest rate. Hemesh Kapadia did an outstanding job as my broker. He guided me through the entire process and answered all my questions along the way. Thanks Hemesh! Seth Syrnk

Very helpful and informative. Quickly diagnosed my situation and advised that my current approach was appropriate. Impressed with honest advice received.

Did not had a chance to talk yet

Hemesh answered all of my questions I had. I

Excellent service and follow-up!

Responsive and courteous.

A lot of back and forth trying to connect but once we finally did, he was knowledgeable and friendly! Unfortunately, the delay meant the initial quoted rated had gone up by .2 %