I have been the BMO customer for over 15 years since I immigrated into Canada Until today…read more I have used TD bank for a short time. TD bank is also a great bank that offer excellent service for customers. I was horrible bullied by the Montreal National Bank because they abused their power to send a racism lawyer who filed a false lawsuit against me to cover up their work mistakes with their business partner London Life only because I was London Life customer. The National Bank would rather pay extra money to the lawyer to file a false lawsuit against me by scam but not try to fix their mistakes to reduce the bank lose by their work mistake. Compare all banks that I have known, the BMO is really the best bank in my heart for their outstanding, integrity, and convenient service. If compare the National Bank Idiot and Evil customer service quality that destroy an innocent people's life by scam for coving their work mistake, the BMO really is the model of excellent great bank and the excellent customer service.

This review is based on an experience I had here about year and a half ago…read more My BMO MasterCard was compromised. Due to the postal strike at the time, MasterCard told me to go to the nearest BMO branch to fill out some paper work to get a replacement card. This particular BMO is just up the street from where I live. They were still open for another hour or so, so I walked up to resolve the problem. Despite MasterCard's advice, the staff were not advised nor equipped to deal with the matter. It wasn't their fault, they simply didn't deal with compromised credit cards, only debit cards. They could have easily left it at that, but didn't. The teller I was dealing with called MasterCard to ask them what they expected them to do. To make a long story short, I was there well after closing -- and on a Friday night! The teller and I think the branch manager were both calling different numbers at MasterCard to get a hold of someone who could finally get the problem resolved. Even branches get put on hold. :) There was much telephone tag between the branch and MasterCard, and not once did the staff seem ready to push me out the door to "deal with it tomorrow". They were extremely patient and apologetic for all the trouble the entire time, even though it wasn't there fault. They finally got a hold of someone at MasterCard who verified who I was based on my identification that I showed to the branch employees and arranged for the replacement card. The service I received here was without a doubt as good as it gets.

A fairly new building well designed Large windows and great…read morelighting make for a pleasant visit Staff is well trained and personable Parking lot is convenient and there is ample spots to park Easy access from main streets A great place to do business

Booked a meeting two weeks in advance to deal with some business banking. Arrived today and…read moreadvisor was unprepared, didn't know who we are or what we wanted. It was like a cold contact and as such we ended up leaving without conducting our business. This lack of effort forced us to make a one hour round trip for nothing. When it comes to business banking this is the normal operating mode of TD these days. We have business accounts elsewhere and the experience is vastly different. The personal banking bar is low these days and by that low standard TD is acceptable but for business banking, my own experience would suggest that other banks offer a much higher level of service.

Capital Mortgages is a mortgage brokerage that offers mortgage services including residential and…read morecommercial financing. They also offer consultancy services to secure financing for home purchases, refinancing and transfers. They are based and operate in Ottawa. They have extensive experience in real estate, mortgages and dealings with banks and lenders. My wife & I bought our first home in 2005, thanks to Capital Mortgages. Upon deciding on the home, we applied for a mortgage with one of the big banks that was offering a "special" rate for home buyers in the community. Unfortunately, this bank insisted on a co-signer, something I was not comfortable doing. Fortunately, I was referred to Capital Mortgages. It is owned by the parents of an old acquaintance - who competed with me during the courting phase of my relationship with my wife. But that's another story. Capital Mortgages secured a mortgage for us, with another big bank, at a much BETTER rate, than the "special" advertised rate that was previously offered. How did they do it? It was explained to my that the big banks are still very old school. When they lend money, they want to lend to people who fit in their neat, tidy square box. On our own, we were out of the box. To put it simply, Capital Mortgages helped us fit into the big bank's box. We were very fortunate to have Po Krepski working for us. Throughout our relationship with Capital Mortgages, our expectations have been exceeded time and time again. We have been consistenly surprised with the superior services provided. It's a great experience to deal with a business that takes customer service so seriously. Capital Mortgages have always made my wife and I feel important and appreciated. They go the extra mile with little details like cards on our birthdays, and Christmas. They make doing business very easy. They have consistently given more than expected. Capital Mortgages is the only financial business that we recommend to friends and associates, and because they are simply the best at what they do.

We purchased our first home in June of this year. Initially the service that we received from our…read moremortgage broker was fantastic and we felt very comfortable with our decision to have Donna as our mortgage broker. We explained to her that this was our first time purchasing a home and that we were looking for someone to hold our hand along the way, as it was something that we have never done before. We even recommended her to two of our friends who used her to purchase their condos. About a month out I began noticing some red flags. A family member was gifting us a sum of money and Donna had recommended that they transfer the money to us in multiple small amounts under $200 over a few weeks time so that the lender didn't question the funds. This was HORRIBLE advice that I am extremely happy we didn't follow as my transactions (anything over $1,000) were questioned to as far back as January 2017. Instead, my aunt provided us with a letter explaining the circumstances in which the funds were being provided. During the process, Donna had told us to budget $1,500 for closing costs with our lawyer. We asked countless times whether there were any other costs that we should budget for in relation to the purchase of a home, every time her response was no. We really put our trust in her as an expert, as mentioned previously we were looking for someone to hand hold us through the process. It was a BIG surprise for us on our closing day when the lawyer told us that our final bill would be roughly $3,500. The difference was not his fees but various fees that we should have been informed about by Donna (ie: tax on CMHC, FCT insurance, repayment of property taxes to previous owners). Our lawyer was extremely surprised that she did not mention these fees to us. One week prior to getting our keys, after providing all of our statements and transferring our down payment to the account that we were having the payment come out of, we were told the documents we provided were not good enough and were confusing to follow (ie: pulling RRSPs out as a first time home buyer). It got so down to the wire that we risked not being approved for our mortgage. We had to re-pull all of our statements which created an even bigger mess as the funds had now been transferred into our chequing account and nothing matched the original statements anymore. It was very difficult to obtain the statements as they were not accepting the ones that we downloaded from our e-banking. Most banks don't have the ability to pull statements in the branches either, they must be mailed to you. I ended up looking like a crazy person, crying to the bank manager, pleading with him to help me get a statement in time so that I didn't lose my mortgage. Two days before our closing date, we finally got notice that the new statements we were able to provide were acceptable. Our first mortgage payment was supposed to come out at the end of the month. Mid-month over $300 was taken from my account from the lender - I had no idea that this payment was coming out and was put into an NSF situation. I emailed Donna to ask her about it and she was on vacation with no contact for assistance which she was gone. It is the summer and my issue isn't that she took vacation, it's just surprising that with an large organization that someone isn't available to assist in her absence. It's been a week since she has been back and I have yet to hear from her about how the mid-month transaction affects my payment schedule, as our property taxes (which is what I assume the payment was for) and mortgage payment are supposed to be rolled into one. I had really hoped that my experience was just a one off where the ball was dropped. I recently asked one of my friends who also used Donna (on my recommendation) how her experience was. Sadly, it was even worse than mine! Apparently Donna made an $8,000 error in telling her how much her down payment should be to offset her debt ratio. When she went to her lawyer on her closing day, she had a cheque for $20,000 rather than $28,000. $8,000 isn't exactly easy to come up with at the drop of a hat - she had to delay her move in day by two weeks (if I remember correctly) and incurred astronomical costs from the builder to do so. Her mom had to provide her with the additional $8,000 and now owns 1% of her home. My other friend, who I recommended use Donna, has not closed her condo yet. I am hoping her experience is much smoother but have recommended that she change brokers to avoid any mishaps. If you plan to use Capital Mortgages, be sure to do your home work, that is my biggest regret. I had thought we had asked all of the right questions but I would recommended looking into the questions yourself as well, especially as a first time home owner. Personally, my plan is to renegotiate my mortgage with another lender the minute that I can do so without paying a penalty.

I find the staff here very kind and courteous. I have never waited in line for more than 5 minutes.read more