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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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

  • We called Manny and instantly he got the ball rolling and what he did in such little time was outstanding. We were alittle hesitant at first but Manny is a no-nonsense guy, when he tells you something he means it and gets it done. The process was simple and everyone we dealt with were extremely professional and very outgoing to help get everything done in a timely manner. We would highly recommend Manny for any of your mortgage needs. When its time to refinance our mortgage there truly is only...
  • HIGHLY RECOMMENDED!! There are no words and not enough gratitude can be given to Manny for what he has done for our family. Manny highly exceeds expectations to fulfill your needs, and tailors the mortgage to get exactly what you need. Manny takes customer service to a whole new level, guiding you through the process in a efficient yet direct manor, but makes you feel at ease when the stress gets high. His experience definitely shows every step of the way, able to answer any and all questions and having...
  • Hi Manny, It was a pleasure working with you from the outset. I first called you on Simcoe day (August 3, 2020) – a Monday of the long weekend and you returned my call the same day and got the ball rolling immediately – that’s good service in my books. Even better, after our brief conversation, you repeatedly reassured me “not to worry you would take care of things“. You promised and you kept your promise. That’s going above and beyond and makes your service exemplary in this very competitive...