Hemesh Kapadia

Hemesh is a great help to us. He is a professional and good at what he does. This is the second time I am using Ratehub and has been nothing but amazing. I highly recommend! - atinuke lawal

5 star review - Abrar Fuad

I have nothing but positive things to say about ratehub, especially with the mortgage agent I worked with, Hemesh Kapadia. He was great to work with, and made the whole process smooth and easy for me. I would definitely recommend this company to others, and I already have to my friends and family! - Windy Devine

Working with Hemesh was an absolute pleasure. He addressed concerns promptly and made the process smooth, transparent and stress-free. I genuinely felt he had my best interest at heart and I would highly recommend him to anyone looking for expert guidance. Thank you for your exceptional service. - Kadionne

I had the chance working with Hemesh Kapadia, who was professional and pleasant in helping us finalize our best possible mortgage rate we could get. Great thanks to Hemesh! - Eva Kumprey

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