Hemesh Kapadia

My partner and I are first-time homebuyers in Ottawa, and we had no experience with the mortgage process. At the beginning, we were a little nervous—especially since this was all done through an online platform—but working with Hemesh put us at ease from the very beginning. He guided us through every step and helped us secure the best possible fixed rate! He was always available, promptly answering our calls and questions with patience and clarity. We never felt pressured. Hemesh was consistently helpful, honest, and supportive. On our recent closing day on June 2025, everything went smoothly with no hiccups, All thanks to Hemesh. If you're looking for a mortgage broker who is reliable, responsive, and genuinely cares, we highly recommend Hemesh Kapadia! - Jeje Jap

Hemesh was super helpful in my mortgage renewal process, helping me lock in a great rate and facilitating the process to make sure there were no hiccups! - Vincent Zhu

I am pleased to leave a 5 star review for Hemesh Kapadia, I wish I could add a few stars. I was very skeptical of arranging a mortgage online, however my experience has turned out so well. Hemesh was very nice, very knowledgeable and quick to respond to all of my questions. He made the process so easy for me and I will always appreciate this. He got me such a better deal than my long term mortgage broker as well. Thank you Hemesh and I will look forward to working again with you and Ratehub when my renewal comes up in a few years. - Peter Wilk

Hemesh Kapadia was our advisor regarding a new mortgage He was knowledgeable, quick to respond and got us a great deal. Honestly, I was apprehensive about using Ratehub but that quickly deminished once speaking with Hemesh. I would highly recommend! What Hemesh said he was doing was exactly what he was doing, getting us the best deal possible! - Patrick McGilly

Hemesh K was great to deal with. He help in finding that worked for my family and I. Saving about $800 a month now. - Alex G

HEMESH IS SIMPLY THE BEST SO AWESOME AND GOT ME A GREAT RATE - Jake Wood

I was very pleased with the service that I received from Ratehub. The mortgage broker I dealt with was very knowledgeable about what the market is doing right now, and they helped me get the mortgage and rate that I was looking for. The options they gave me in my mortgage were far better than what the big banks were offering. I highly recommend them as they are looking out for getting you the best deal for you. - John Pettipas

The mortgage broker that I dealt with was Hamesh Kapadia. He is very knowledgeable with what the market is doing and where it is going. The options he got for me were much better than the big banks. - John Pettipas