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Hemesh Kapadia


Hemesh Kapadia

Mortgage Agent Level 1


ON Lic. M15000382

Phone: 647-427-7375 ext. 1149

Email: [email protected]

apply with Hemesh

About Hemesh

Hemesh brings over 10 years of mortgage experience to the CanWise team. He has grown his career in the mortgage industry working for the top banks in Canada. His wide scope of financial experience allows him to uncover the varying needs of each client, working together to tailor a mortgage solution that'll pave the best path forward. His timely, personal and holistic approach will ensure you remain informed, engaged, and excited throughout the entire mortgage process.


4.8 | 95 reviews

May 23, 2024

I recently worked with Hemesh to secure a mortgage, and I couldn't be more pleased with the experience. From start to finish, Hemesh was incredibly professional, knowledgeable, and supportive. Despite the complexity of the mortgage process, he ensured everything went smoothly by guiding me through each and every step. Our interactions were primarily over the phone, Hemesh was always available to answer my questions and provided clear, detailed explanations that helped me understand my options. He worked diligently to find the best deal for my financial situation, and I am grateful for his hard work and dedication. I highly recommend Hemesh to anyone in need of mortgage services. His expertise and commitment to his clients are truly outstanding. Thank you, Hemesh, for making this process so seamless and stress-free! - Manoj Kumar

May 13, 2024

I got my first mortgage renewal with ratehub and they made the process simple and easy. They were able to give me the best rate from of all the brokerages I contacted. Our assigned mortgage agents (Diane Sousa and Hemesh Kapadia) were easy to communicate with during the whole renewal process. - Stephen Li

May 08, 2024

Hemesh was AMAZING !! I'll never go to a bank again, he was so helpful, even with a car purchase, he went above and beyond ! he got me the best deal, excellent communication. Don't shop around, go to RATEHUB !!! - Oliver Klozzon

Apr 08, 2024

No doubt the best mortgage experience I have ever had. Very nice people, they will respond to you every time. No hidden costs, and whatever they commit they try there best to achieve it. - Zohair Ahmed

Mar 20, 2024

I recently worked with Hemesh Kapadia at Rate Hub for a mortgage renewal of mine, and I found the entire process to be abysmal. At first Hemesh was attentive, and got back to me in a timely manner, however towards the end of the process, Hemesh made promises that he did not keep, such as promising he would provide updates from a few lenders regarding my application. Hemesh never got back to me regarding the 2 lenders, which he promised me he would do. To this day I do not even know if Hemesh actually submitted my application to the lenders, nor do I know the final results. What makes it worse is that I had a mortgage renewal deadline that was quickly approaching for my existing lender, so I told Hemesh, I needed some feedback quickly before my existing mortgage renewal expired. After that, all I got from Hemesh was radio silence! I tried to contact Hemesh several times through email and phone, and he basically just GHOSTED me, as I still haven’t heard from him to this day. Most of the time I would not leave a review, but this is a very important matter considering mortgages are literally the BIGGEST loan for any Canadian, and having a mortgage agent who is competent and has the basic decency to get back to his clients is vital! Hemesh Kapadia made the entire process more stressful than it had to be, I would not use him again. I don’t have experience with other agents at Rate Hub/Can Wise so I cannot speak to that, but I most certainly would NEVER use Hemesh Kapadia again. *******************UPDATED REVIEW BELOW************** I’m increasing my original score for this review from 1/5 to 3/5. After I left the original review, I was contacted by one of the Team Leads/Managers at Ratehub/canwise. They were extremely apologetic for my poor experience, and mentioned they would put measures in place to ensure this doesn’t happen again for someone else. They also did their best to make it right, which I appreciated. Although this doesn’t change my original experience, it does give me confidence in the company, that they take their relationships with their clients seriously, and if there is a mistake done, they will do their best to correct it. - Josh

Mar 08, 2024

I got introduced to Hemesh Kapadia, after explaining myself he understood the scenario and made it work within hours. Very thorough and professional. Words cannot express , how he made my first Canadian home possible true gentlemen deserves 7 stars. - PARAM

Feb 25, 2024

Worked with Hemesh Kapadia - had a solid experience getting our questions answered which allowed us to feel confident throughout the process especially with interest rates fluctuating so much. - Ernest Anang

Jan 19, 2024

Hemesh did everything he could to make our transition to another company seem less and he was very professional and friendly - catherine sawatzky