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We Specialize In

No Hassle – Home Equity Loan


The “85-Alive” PROGRAM – provides EMERGENCY MORTGAGE loans to home owners.


Manny Johar of Expert Mortgage

Concept is simple: If banks or other mortgage brokers have turned you away, you’ve come to the right place. With our groundbreaking 85-Alive program, we can offer loans to almost anyone! We understand what it’s like to be down on your luck, which is why we let our clients borrow up to 85% of their property value, even with no job, bad credit, or if you’ve declared bankruptcy. We’re here to see that you get the funds you need, helping you get back on track.

Manny Johar is able to offer mortgages at rates that many other mortgage brokers simply can’t commit to. We’re able to do this through our network of lending institutions and over 300 private lenders. Most importantly our private lenders choose to invest their funds in you, rather than other ventures. This is because they truly want to help you get back on your feet.

Call us today for a mortgage loan if you are:



  • Behind on mortgage payments

  • Have property taxes in arrears & CRA debt
  • Need to consolidate your debts and reduce monthly payments

  • Pay off consumer proposal

  • Home renovations and upgrades

  • Need funds for some other purposes


As per Licensed Mortgage Agent Manny Johar, Expert Mortgage’s “85-AliveOntario Representative, “We’re seeing mostly homeowners behind on mortgage and property taxes. The banks are refusing to restructure their loans. Many of these people have lost jobs due to the bad economy… or they’re self-employed.

Unless you are a perfect client, the bank doesn’t want to talk to you, but Manny Johar of Expert Mortgage can help.

We also specialize in commercial and agricultural loans. Our commercial experts can help you with business loans, real estate, equipment leasing, and for farmers, we can help with repair/ construction costs, and even your buy quota.

Don’t wait any longer. If you’re behind on mortgage payments, need to refinance debt, or need funds for any other purposes, call Manny Johar today!

Ready to apply now? Fill out our application forms below and we will review and get back to you within 24 hours:

Latest News


"Thank you Manny!! You did for me what 3 other brokers could not. You are the only one that was able to get me signed for an increased 1st mortgage. Just amazing. You are a man of your word and you truly do work for the people and not the banks. I can't thank you enough for your help. I'll see you in 2 years :)." - Brian L., Beeton, Ontario

Brian L., Beeton, Ontario