Bradsmortgages.com, Ottawa, ON Videos

Whether you're kickstarting the home-hunting journey or you're a REALTOR® helping enthusiastic home buyers, my free app is an essential addition to your digital toolbox! Featuring the latest rates, a mortgage calculator, land transfer tax calculator and so many other handy tools. From number crunching to budget stress-testing, this app has got you covered AND you can start the approval process online. When you find properties of interest, it’s simple to create a report which summarizes the financials in an easy-to-understand, downloadable format. I’d love for you to give it a try and share your feedback! https://linktr.ee/bradsmortgages #ilovemyjob #mortgagebroker #ottawamortgagebroker #mortgage #capitalmortgages #homeequity #lending #mortgageapp #mortgageappllication #mortgagenews #mortgagetips #rentalproperty #getapproved #refinance #homeequity #ottawarealestate #realestate #realtor #realestatetools

Bank of Canada Announcement March 6th, 2024
Latest news! The Bank of Canada has held its overnight rate today. While most of us were hoping to see rates drop a little more quickly this year, it looks like the road to lower rates will be a winding one. If your mortgage is up for renewal or you're thinking of a move, chat with a seasoned broker who can find the perfect mortgage match for you. After all, every mortgage solution is as unique as you are, book a call today! Next Announcement: April 10, 2024 when the Bank returns with a update on the interest rate & economic commentary. #mortgagebroker #ottawamortgagebroker #mortgageapplication #mortgageapp #mortgagetools #mortgage #capitalmortgages #lockinyourrate #homeequity #lending #mortgageupdate #mortgagenews #bankofcanada #ilovemyjob

Bradsmortgages.com Monthly Giveaway!
Are you on the list? February VIP Club - Giving Away $50 to the place of your choosing! Send me a message or visit my LinkTree (in bio) to enter into a monthly draw for a fun prize every month! 🎁 I'm all about treating my VIP squad (that's you - past, present, and future clients) to something exciting each month! No strings attached - I'm investing my ad bucks in YOU. Get ready for mortgage updates, friendly chats, and some sweet surprises coming your way. Good luck! #giveaway #vip #ottawarealestate #mortgagebroker #mortgageupdates #mortgagetips #capitalmortgages

Catching up on some emails after a meeting at @seventeamiles in Westboro this morning. Cozy, chill vibe, friendly staff and great food and drink! ☕️ If you’re in the neighbourhood I definitely recommend popping in. 📷 @steffieb (who makes me do these things 😆) #morningmeeting #mortgagebroker #chai #westboro #supportlocal #capitalmortgages #ottawarealestate

November Giveaway!
Win Big This November! We're giving away an iPhone 15, 6.1” 128GB PLUS a VIP Gift Card! All you have to do is sign up for my monthly newsletter and every month you’ll automatically be entered in to win something cool! Don’t worry we never spam or share your personal information. Good luck! Enter here 👉 https://linktr.ee/bradsmortgages #giveaway #mortgagebroker #entertowin #iphone #winaniphone #goodluck #capitalmortages #vip

Giveaway at the OREB Trade Show
Real estate friends...are you going to the Ottawa Real Estate Board Trade Show on Thursday? I'll be at the Capital Mortgages Inc. booth - and I'd love for you to pop by and say hello! We'll also be doing a draw for a couple of chrome books - leave your card for a chance to win. #capitalmortgages #ottawarealestate #mortgagebroker #mortgages #lovemyjob #realestate

Here’s a one-minute video with a few stats and predictions on things to come from industry insiders
It’s hard to believe we’re only a few short months away from 2024! Here’s a one-minute video with a few stats and predictions on things to come from industry insiders. There may be some tightening of the rules - my best advice? Let us help you get pre-qualified sooner rather than later! Shoot me a message or visit Bradsmortgages.com to apply quickly and easily online. #ilovemyjob #mortgagebroker #ottawamortgagebroker #mortgage #capitalmortgages #interestrate #lockinyourrate #homeequity #lending #mortgageupdate #mortgagenews #clientappreciation #thankyou #referral #homebuyer #homeownership #tiptuesday #ottawarealestate

I think Sky knows it's Friday and we should all be kicking off a bit early to enjoy the sunshine (she's pretty convincing, don't you think? 😂). Have a safe and happy long weekend everyone! #longweekend #happyfriday #rescuedog #dogsofinstagram #lovemydog #weekend #summer

3 Your REALTOR® wants you to get prequalified for a mortgage before you start house hunting
Every few weeks I get a panic call from a REALTOR® or client who wants to make an offer but they haven’t gone through the prequalification process. While we can work quickly when we need to, this adds extra stress for all parties involved. Especially in a competitive market like this one, going in with confidence that your offer will be accepted and conditions will be met gives you the best chance at securing your dream property. It’s also important to know your true budget so you can be confident about your budget, and that you have a little wiggle room during the negotiation process. Our team has put together a quick explainer video - if you’re a REALTOR® you may want to share it with your clients & followers to help encourage them to reach out before they fall in love with a property. As always, we’re here to make the process as quick and easy as possible and are always here to answer your questions. Cheers, Brad

Brad's Mortgage Minute: Financing a new build vs. a resale property
What's the difference between getting a mortgage on a new build vs a resale property? I popped into my new build in Almonte that closed recently and did a quick explainer video if you're curious about the answer. And no, I'm not moving 😉 I'll be using this as an investment property, but I'm super happy with the work Neil Corp Homes did, and admit I was pretty tempted when I saw it completed. I'm still a Westboro guy - for now at least! #mortgagebroker #mortgagetips #tipTuesday #TuesdayTip #newbuild #investmentproperty #capitalmortgages #Almonte #getamortgage #investing #realestate #ottawarealestate

Bank of Canada's latest announcement: What you should know.
A little breathing room after a few months of rate increases…here’s a 30 second video recap about what this means for you and your clients. FYI, the next scheduled Bank of Canada announcement is April 12, 2023. Please reach out with any questions. I’m always here to help. Cheers, Brad #mortgage #realestate #mortgagebroker #firsttimehomebuyer #newhome #loanofficer #broker #homebuyers #homeownership #mortgages #ottawa #ottawarealestate #capitalmortgages #mortgagerates

Capital Mortgages Awards Party
The weekend before last we had a great time at the Capital Mortgages Inc. Awards Party! While I’m not really an “awards guy” it was really nice to get together with my colleagues (congrats all!) and take home the Ring Maker Award & the Platinum Funding Award. Huge thank you to my clients and referrals for your ongoing trust and support. It means more than you know! Looking forward to another awesome year of making homeownership dreams come true. After 19 years, I still love my job! #ilovemyjob #mortgagebroker #ottawamortgagebroker #mortgage #capitalmortgages #homeequity #lending #mortgageapp #mortgageappllication #mortgagenews #mortgagetips #rentalproperty #getapproved #refinance #homeequity #fbf #gala #awards

Build progress of my new investment property
One week ago! Sneaking a peek at the progress on my new build investment property in the beautiful town of Almonte. Excited to take possession in April, and very impressed with all the work Neilcorp Homes has done so far. We had to film the video outside because the contractors were busy and noisy) inside, which is just fine by me LOL 🔨🔨🔨 #investmentproperty #almonte #newbuild #forrent #rentalproperty #capitalmortgages #mortgagebroker #progress #building #tbt #throwbackthursday

Bank of Canada rate increase: What does this mean for you?
The Bank of Canada raised its key lending rate by 0.25% today. This increase affects mortgages and loans with variable or adjustable interest rates. Rate increases, like this one, are the Bank of Canada’s response to recent higher-than-expected inflation data. Watch this video for more information. The most important thing to do in today’s financial reality is to understand your available options, and opportunities and plan ahead when possible. Cash Flow Concerns?👇 The sooner you address issues with cash flow, the better! By refinancing your existing mortgage, you may be able to access equity to alleviate some of the pain or lower your mortgage payments by extending your amortization. Reducing your monthly payments will free up some cash and when it’s possible, you can get back on top of your goals by making extra payments directly to your principal. Mortgage Renewing in 2023? 👇 If your mortgage is coming up for renewal in the next year, now is the time to review your situation. Getting a clear picture of your options now means we have time to deal with any potential issues and take advantage of the best opportunities. Purchasing?👇 Home sales and housing market activity has slowed and home prices continue to fall in many areas. Purchasing a home at a lower price now with a 1 or 2-year mortgage term, will allow you to refinance when rates come down. While it may be hard to see right now, in the larger picture of home ownership, today’s market and financial situation are temporary. The key to getting through it is going to be smart mortgage and financial planning. If you’d like to discuss your situation, book a call with me! DM me or visit https://calendly.com/bradnemes/phone-call-with-brad?month=2023-01 to book online.

Mortgage up for renewal? Why you should shop early and explore your options
Mortgage up for renewal in the next few months? Shop early! 🏡 When your mortgage is approaching your renewal date, chances are your current lender will reach out to you to try to encourage you to resign without shopping around. Did you know that about 70% of homeowners send it back without asking any questions?! This is an important moment of opportunity so BEFORE you sign let’s be certain your current provider can offer a mortgage product that suits your needs. Having multiple lenders compete for your business is a great way to ensure you get the best rate and product for your situation. We deal with over 60 lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means significant negotiating power. Some questions we will go over to ensure you’re getting the best product and rate are things like…are you planning on staying in your current home for the next few years, or are you considering a move? What are the pre-payment options? Are you expecting extra income that will help you pay down your loan sooner? Or does it make sense to refinance or get a HELOC to access equity or extend your amortization period to reduce your monthly payments? Knowing what you need in a mortgage will help you form the decision around which lender and product to choose, and that’s where I come in. Let me help by offering advice and options to help you get ahead! Cheers, Brad #mortgagebroker #capitalmortgages #mortgagerenewal #shopearly #ilovemyjob

Assumption Mortgages in 60 seconds
WOW! SELLER'S INTEREST RATE OF 2% CAN BE TRANSFERRED TO BUYER?! 😯 Assumption Mortgages, too good to be true? Have you noticed that more listings are coming on the market with the option to transfer the current owner's outstanding mortgage to the Buyer? When interest rates rise, an assumable mortgage could be attractive to a Buyer who takes on an existing loan with a lower rate. Sounds great, right? Who would pass up an opportunity to take on a loan at half the current interest rates? Well, it’s a little more complicated that it might seem. Here’s an example… Let’s say the property is listed at $800,000 and there’s a 2% mortgage for $400,000 outstanding. In this case the lender will only allow the assumption of $400,000, not one dollar more. The terms must be identical…use, rate, and amortization, and the Buyer must still qualify for the mortgage to assume it. Here are some key takeaways: If you’re representing the Buyer… The Buyer can avoid obtaining their own mortgage ONLY if they have the exact down payment for the DIFFERENCE, a Buyer cannot ask for a $600,000 mortgage and get the 2% assumption rate, or get a blended mortgage rate. If you’re representing the Seller… Even if the assumption is approved, your Seller is taking a risk. Although the assumable mortgage can be advantageous to both parties, after a Buyer has assumed a Seller's mortgage, the lender can still hold the Seller personally liable for the mortgage if the Buyer were to default on the loan. Did you find this information helpful? If yes, please feel free to share. I also send out a super short Mortgage minute mailer once a week. Message me, or visit the link-in-bio to get on the list. Don't worry, we never spam! If you have any questions, I'm always here to help! Reach out anytime. Cheers, Brad #ilovemyjob #mortgagebroker #ottawamortgagebroker #mortgageminute #assumptionmortgage #mortgage #capitalmortgages #homeequity #lending #mortgageapp #mortgageappl

How to open a bottle of corked wine
With all of the festivities this time of year, this quick tip might come in handy! 🍷🍷🍷 Cheers, Brad (your mortgage sommelier) #mortgagesommelier #sommelier #wine #winelover #winetips #redwine #mortgagebroker #openhouse

Sign up for Brad's Mortgage Minute
Hey friends! A few weeks ago, after I spoke at a real estate office sales meeting, I was asked to put together a weekly update to keep the branch manager and her sales team up to the minute with the latest mortgage news and rates. The idea bloomed into a super short weekly email now available for anyone who's interested. If you’re looking for wine recommendations, news and rates, please sign up for my weekly mortgage minute that includes "Brad’s wine pick of the week!" Cheers! Your mortgage sommelier, Brad https://linktr.ee/bradsmortgages Don't worry, we never spam or share your information and you can unsubscribe anytime (but we hope you don't 😉). Thanks! #ilovemyjob #mortgagebroker #ottawamortgagebroker #mortgage #capitalmortgages #homeequity #lending #mortgageapp #mortgageappllication #mortgagenews #mortgagetips #getapproved

Try my handy mortgage app!
If you’re looking to buy real estate, now or in the future - or you’re a realtor® helping buyers find the perfect property - I’d love for you to try my handy mortgage app. You can easily calculate mortgage payments, closing and land-transfer costs (and more) anytime, anywhere with just a couple of clicks - and it’s free! DM me for a link or click here https://linktr.ee/bradsmortgages. Cheers, Brad #ilovemyjob #mortgagebroker #ottawamortgagebroker #mortgage #capitalmortgages #homeequity #lending #mortgageapp #mortgageappllication #mortgagenews #mortgagetips #rentalproperty #getapproved

Getting a mortgage is never impossible
There are a few things that can make it a bit tough for certain buyers to to secure financing, and even more so at the best possible rate. This is why I like to share good news stories like this one. Congrats to my clients on the recent closing of their home when they didn’t think it was possible, these are the days I truly love what I do. Thanks as always for choosing the Brads Mortgages team, and for taking the time to leave a Google review ⭐⭐⭐⭐⭐ it means a lot! #TestimonialTuesday #ilovemyjob #mortgagebroker #ottawamortgagebroker #mortgage #capitalmortgages #homeequity #lending #mortgageupdate #mortgagenews #clientappreciation #thankyou #referral #googlereview #nothingisimpossible #homebuyer