Mortgage Kitchener – Expert Mortgage

Finding a mortgage in Kitchener if you have bad credit, no credit, are self employed, or unemployed, is easy when you choose Expert Mortgage. We are a mortgage brokerage that is one of Canada’s largest, and we work with a trusted network of over 400 private and institutional lenders. Just because you have a poor credit score or no credit at all, doesn’t mean that you can’t obtain your dream home. Expert Mortgage can help you make it a reality. If you already own a house or property, and are looking to remortgage, learn more on how we help our Kitchener clientele..


Using Expert Mortgage vs. Banks / Institutional Lenders:

Many people do not realize that some the lowest mortgage interest rates are not given by the main high street banks. There are many different lenders that provide mortgages often at better interest rates than the banks. The obvious choice of homeowners is to go to their own bank to get a mortgage in Kitchener. But, this doe snot necessarily mean that you will get the best interest rates.


Also, borrowers who have bad credit, no credit, are self employed or unemployed, or even past bankrupts are unlikely to be approved by the banks. People in these situations needing to do a debt consolidation or requiring home equity loans, will often get turned away by the banks. That is why using a mortgage broker is often a better option.



Here are different types of mortgages that could apply to you in Kitchener:


Fixed Rate Mortgage:

With a fixed rate mortgage, the interest rate remains the same throughout the term of the loan. When you take out a fixed rate mortgage, you know exactly how much the loan will cost you, which is good for planning purposes.


Adjustable/Variable Rate Mortgage:

The interest rates on an adjustable rate mortgage in Kitchener are linked to the Canada’s Central Bank’s base rate. The lender adjusts your mortgage rate or mortgage term accordingly when the Central Bank’s rate changes. The mortgages differ from fixed rate mortgages in that the interest rate may be changed (raised or lowered) during the mortgage term. With an ARM, you are able to keep the monthly payments as low as possible.


Open and Closed Mortgages:

With an open mortgage, you get the flexibility to repay the loan at any time without penalty. You can prepay, renegotiate or refinance before maturity. Closed mortgages in Kitchener don’t have the flexibility to prepay, renegotiate or refinance before maturity. If you wish to pay this mortgage early, the lender may require to pay a hefty penalty.

For more information about a mortgage in Kitchener from Expert Mortgage, feel free to give us a call today!

Give us a call or fill out our contact form by clicking here. 


  • “I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off or back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.”

  • “I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Expert Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.”

    M.D, Mississauga, ON
  • “The bank would not lend money on our farm unless we showed them financial statements. Since my husband passed away, my son and I were struggling to keep the farm afloat. We just needed more time. The third mortgage you got us was the miracle we needed. You believed in us and we are so grateful. Thank you.”

    S.E. Orono, ON
  • “My pig farm always made good profit but last year was brutal for the whole industry. I fell behind on my mortgage. I showed FCC that my loss was just a temporary blip and asked them to give me some leeway but they started a foreclosure anyway. Thanks for getting me that private loan to buy me some time until I’m profitable again.”

    K.O., Hawkesbury, ON
  • “My ex-wife’s lawyer gave me 30 days to buy out her half of our house or have it put up for sale. I had no job and I was in bankruptcy. My bank manager laughed at me. I thought it was hopeless until I saw your flyer. I don’t know how you qualified me for the mortgage. You’re a miracle worker. Thank you!”

    J.R. Burlington, ON
  • “We were 6 months behind on our mortgage and the Sheriff was coming in 5 days to lock us out of our home. Every other mortgage broker said NO! I can’t believe you were able to get us a second mortgage that fast. You saved our home and I will refer everyone I know to you.”

    C.C., Oshawa, ON
  • “The bank refused to value my property based on all 211 acres. They said that their ‘rules’ limited it to 5 acres. Personally, I think that’s biased against farmers. I didn’t know that you had lenders who would value my property on all the acres. I finally got a large enough loan to tie all my debt into one payment. Thanks!”

    C.R., New Dundee, ON
  • “Every time I’d walk into a bank and say the word ‘farm’ the suit on the other side of the desk would look at me like I was from another planet! They had one agricultural ‘specialist’ for the area that was not much better. Then I went to 4 mortgage brokers before I stumbled on your company. Your rates were lower than the bank.”

    M.D., Bradford, ON
  • “Our credit was destroyed after we had a bad year. We needed to expand our facility. I explained to the bank that the expansion would make us profitable. I proved it on paper. They still declined us. I never heard of your ‘no questions asked’ private loans but you gave me $500,000 with no paperwork. That was a Godsend. My wife and I appreciate it from the bottom of our hearts and we won’t let you down.”

    R.Q., Woodville, ON
  • “Once again, a big thank you for arranging our new mortgage and being able to arrange for additional funds on closing. Matthew has worked hard for me over the last few years… I have a very high level of trust in Matthew and Expert Mortgage, and will surely recommend you to anyone I know who is in need. Thank You.”

    M.Z. Brantford, ON