About Manny Johar, Expert Mortgage


  • Expert Mortgage, which Manny Johar represents, is one of Ontario’s leading mortgage brokerages, offering seamless solutions to all your mortgage needs. Whether you want to buy a new home, need money to set up a business, or even refinance an existing loan or mortgage, Manny can offer you a perfect solution, catering to your specific requirements.

  • Manny’s clients come to him from all over Ontario for helpful, no-pressure mortgage and loan services. With Manny, you can always expect the lowest mortgage rates depending upon your situation. Funds you will be granted come from large Institutions to private investors where Manny uses his strong relationships with the lenders to secure amazing mortgage rates for you, even if you have bad credit or if there is NO proof of income. You can expect deep discounts in your mortgage rates when you have good credit and provable income. Manny can also provide you with a first, second, or third mortgage depending upon your needs.

  • Manny takes pride in being available 7 days a week. In fact, after hours all calls to the office will be forwarded to his personal cell phone, allowing you to reach him at any time.

  • If you need a mortgage for your dream home, an investment property, or are simply looking to refinance and lower your mortgage rates, give Manny a call Today at 1 888 646 7596 !

What Does Manny Johar Offer?

  • Deep discounts off all posted bank rates

  • Mortgages through Large Institutions to Private Lenders

  • Second and third mortgages up to 90%

  • Construction and Renovation loans

  • Loans for Farms, cottages, raw land and lots

  • Mortgages for Clients going through Power of Sale

  • Mortgages to cover Property Tax Arrears & CRA Debt

  • Private in-house funds with a quick turnaround time

  • Home Equity Loan with NO proof of income up to 90%

  • Personal touch, care and attention to details!!


Want more information on how we can help you unlock the capital in your home? Contact us now and we’ll get back to you as soon as possible.

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    • "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

    • Manny, my deal was falling apart and you put it back together and I did barely nothing. I thank you million times over, you made my cottage a dream come through. Looking forward to do more purchases with you….🙏🏾👍🏽 George W., Golden Lake, Ontario
    • Exceptional service. What was promised was delivered. Manny Johar is a true professional, explaining the process the entire way and always available for a follow up. I can confidently say that you will not find anyone better. Before you call or email anyone else, give him a call first. He literally does what other can’t in terms of lending. He’s also surrounded by a great team of lawyers, insurance agents and anything you need to close the deal. Highly recommend. Hardial S. & Jas K., Markham
    • I was desperate…as 2 different broker offices were not able to help me in my situation….I came across Manny online and gave him a shot….within 24hrs everything was lined up and i was on the phone with my lawyer with the details of the closing…yes he got the job done in 24 hrs….Manny makes you feel important and keeps you up to date on whatever he is doing or needs from you and how the process is going…no matter what your needs are given him a call. Farzad F., Brampton