JY Mortgages – Ottawa Mortgage Expert

Certified Mortgage Agent and Financial Planner

Expert knowledge and years of experience processing military mortgages and general services such as renewals, refinances and much more! Learn how you can save thousands each year.

Certified Mortgage Agent and Financial Planner

Expert knowledge and years of experience processing military mortgages and general services such as renewals, refinances and much more! Learn how you can save thousands each year.

Latest Financial Rates

5.34%

2-Year Fixed

4.59%

3-Year Fixed

4.24%

5-Year Fixed

5.3%

5-Year Variable

*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.

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.

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.

Self-Employed

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.

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.

Pre-Approvals

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.

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!

Happy Clients

Johnny is an exceptional mortgage broker. I feel confident and comfortable working with him. His transparency, engagement and attention to detail has saved me from making mistakes or poor moves that will make my next house purchase rather difficult. I am excited to purchase my next home with Johnny being part of the process from the very beginning. I recommend working with him early on your adventure to home ownership. My family loves you and thanks you, Johnny!

Johnny is an amazing mortgage agent! He is very attentive, knowledgeable and quick to address all of our questions. He assisted us with our house purchase and our builder reached out to us saying they were impressed with Johnny's services. I would definitely recommend him to anyone looking for a competent, efficient and professional agent.

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!