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  • Certified Mortgage Agent and Financial Planner

    Expert knowledge and years of experience processing first time home buyer mortgages, renewals, approving low credit and much more! Learn how you can save thousands each year.

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*Insured mortgage rates, subject to change. Conventional and refinance rates may be higher. OAC. E&EO

Professional Financial Services

Serving clients across Ottawa and all over Ontario.

First Time Home Buyers

Tired of passing your hard earned rent over to your landlord? Maybe you've built up some savings and have a down payment for your own property. No matter what your situation is, I help simplify the buying process and worry about all the financing details so you can focus on hunting for the perfect home that fits within your budget and meets your financial goals. 

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Mortgage Refinancing

Refinance up to 80% of your home’s value quickly and easily to pay off high-interest credit card debt that has caused your cash flow to slow to a trickle. Worried about penalties? Don’t think it can make much difference? Think again. By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.

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Mortgage Renewals

Renew with the advantage of 65 lenders. Having multiple lenders compete for your business is a great way to ensure you get the best rate for your situation. I deal with multiple lending institutions, including major banks, credit unions, trusts and other national and regional lenders, which means significant negotiating power behind finding the best mortgage to fit your specific situation.

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When it comes to mortgages, it hasn’t always paid to be self-employed namely because reducing your taxable income can make it difficult to qualify for the mortgage you deserve. I work with lenders that offer excellent mortgage options for self-employed Canadians. These lenders understand that self-employed individuals have tax write-offs creating significant reductions in their declared income.

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Debt Consolidation

Are you held back by high-interest rate debt? Get debt-free sooner and immediately increase monthly cash-flow by consolidating all your debts into one lower interest rate! Why pay high interest rates on your bank’s credit card debt when you can add that debt to your mortgage and pay a much lower interest rate. Become debt free faster with experienced and certified financial advice. Get in touch today to start saving. 

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A mortgage pre-approval is an important step in the home buying process and we can help you out. I can help with your financial strategy, your mortgage amount, down payment amount, purchase price and give you an overall idea of what you can realistically afford. Pre-approvals are subject to your continued good credit and are usually good for 60, 90 or 120 days depending on the lender.

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Johnny Younes

Mortgage Agent

With over 12 years of experience in the financial services industry, let me put my mortgage expertise and exceptional client service to work for you. Whether you're a first-time home buyer, looking to upgrade, invest, refinance, consolidate debt or simply looking for a change, I can help you.

I pride myself on providing professional, ethical and honest advice to help fulfill your financial needs while simplifying the process. Getting a mortgage is often a stressful process and it shouldn't be. With access to over 60 lenders, I will help find the best option and product for you. I will work with you to understand your financial needs and help you put together the right plan for your future!

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Happy Clients

  • Johnny was recommended to my fiance and I by some friends, and we can honestly say that we were not disappointed. As first time home owners, we had SO many questions but Johnny was there to answer every single one of them, and more. It was incredibly easy to get in touch with him when we had questions or concerns. He kept consistent communication and never left us wondering the status of our mortgage. He is friendly, knowledgeable and professional. Most importantly, he put our needs first and made us feel so valued every step of the way. We cannot thank him enough for all his work and guidance through this new chapter of life.
    Mélanie G
  • Renewing my mortgage for the first time (and during the pandemic) was challenging as I was unaware all of the intricacies involved. I am incredibly lucky to have had Johnny on my side as he guided me through the entire process. His extensive knowledge and dedication was made evident as he worked around the clock to ensure that I locked in the best available rates. Johnny is highly accessible, compassionate and a true professional. I highly recommend him for any mortgage!
    Joseph Barnes
  • Johnny pulled a miracle for us and managed to get us our home. Excellent service, very professional and will fight for you to get the home you want.
    Ram EF

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