YOUR INVESTMENT-SAVVY MORTGAGE AGENT

Expert Mortgage has one core focus – to impart our valued clients with quality professional guidance that forms the cornerstone of getting you approved for the right mortgage of your choice.

Based in Ontario, we also offer financing at low rates to align with your individual needs and lifestyle.

We know conventional sources of financing can be taxing on your time and peace of mind. That’s why we have two areas of specialist solutions: residential and commercial mortgage and lending solutions.

Our team of professional Mortgage Brokers and Agents are at your disposal to help qualified borrowers grab time-sensitive opportunities when they arise – and get you approved for the most favorable rates – even if the bank has previously turned you away.
Here, your best interest is our priority.

Our Services

Home Equity Loans

Are you a homeowner interested in a loan? We can help you get approved.

Purchases & Pre-Approvals

Looking for a new home? Always get pre-approved by a lender first. We can help you.

Mortgage Renewals & Refinancing

Looking to refinance your current mortgage and take out extra money from the equity?

Private Mortgages

A great alternative financing source – get a private mortgage from a private lender.

Commercial Mortgages

At Mortgages by Dammy, we’ve made it easier than ever for our clients to apply for approval for a commercial mortgage.

Income Drama? Credit Trauma? NO PROBLEM for Expert Mortgage – Team Mortgage Mamas!

Your credit history is one of the most important factors for getting approved for a mortgage – but it’s not the bottom line. Talk us through your circumstances.

About Us

Expert Mortgage has been around for several years and is founded on the idea that every person deserves guidance with integrity when it comes to mortgages – especially first-time buyers.

With so much misinformation, misunderstanding, and misrepresentation in the real estate industry, Dammy has made it her mission to demystify mortgages for all those seeking one across Ontario.

With her strong and strategic relationships with major banks and lenders, as well as a dedicated team of Mortgage Agents and Brokers – Mortgages by Dammy offers a multitude of mortgage products to our valued clients.

We have immense pride in providing our clients with substantial discounts and the most competitive mortgage rates and terms on the market.

WHY WORK WITH US?

Competitive Rates

*Rates start as low as 1.20%
*Rates are subject to change.

Terms and conditions may
apply.

Speedy Service

Quick, easy & honest.
It’s what we do.

Bad Credit?

Bad credit & bank declines?
We’ll turn that rejection into a “yes”.

Easy Application

*No credit checks. No complicated application, no income requirements.

*Terms & conditions may apply.

THE 6 CORE PILLARS THAT SET US APART

THE LIFE OF THE PARTY

When it comes to getting the most competitive rates on the market, Mortgages by Dammy has a strategic network of deep lender relationships and discounts that are unparalleled and unmatched elsewhere.

Speed

When it comes to getting the most competitive rates on the market, Mortgages by Dammy has a strategic network of deep lender relationships and discounts that are unparalleled and unmatched elsewhere.

No credit? No problem

When it comes to getting the most competitive rates on the market, Mortgages by Dammy has a strategic network of deep lender relationships and discounts that are unparalleled and unmatched elsewhere.

Helping Self Employed and Business Owners

When it comes to getting the most competitive rates on the market, Mortgages by Dammy has a strategic network of deep lender relationships and discounts that are unparalleled and unmatched elsewhere.

Smooth journey

When it comes to getting the most competitive rates on the market, Mortgages by Dammy has a strategic network of deep lender relationships and discounts that are unparalleled and unmatched elsewhere.

Experience and expertise

When it comes to getting the most competitive rates on the market, Mortgages by Dammy has a strategic network of deep lender relationships and discounts that are unparalleled and unmatched elsewhere.

WHY DO YOU NEED A MORTGAGE BROKER?

You might be wondering, what’s the point of working with a mortgage broker? And we’re here to tell you that our expertise is not just a supplement, it’s critical in helping you choose the right property with the right rates for you.

Mortgage brokers act as an intermediary between a lender and a borrower. This means their role is to connect borrowers to those lenders that are willing to provide a mortgage loan – somethings especially useful for those with “bad” credit.

As traditional lenders, banks can only offer the products that they themselves develop and sell, whereas mortgage brokerages can access the mortgage rates of multiple lenders to present borrowers with the best option for their circumstances.

In the last decade alone, as property markets have seen a boom in growth – there has been a critical demand for mortgage brokers.

We can negotiate the lowest rate for our clients and allow for a convenient comparison of pricing, mortgage rates, terms, and other features across mortgage providers.

TORONTO REAL ESTATE MARKET

Real estate in Toronto has never been more exciting – it’s a truly unique market. Throughout the various economic cycles and recessions, periods of downturn here have been followed by a steep rebound.

In 2008, the aftermath of the global financial crisis meant that freehold properties were selling for around $430,000 on average and condos were being sold for $295,000. Just 10 years later, these same markets reached peaks of $940,000 for stand-alone houses in Toronto and $565,000 for Toronto condos.