85 Alive - Emergency Mortgage, Second Mortgages in Ontario | Mortgage Solution Providers Toronto

85 Alive – Emergency Mortgages

The program offers emergency mortgage loans and second mortgages to homeowners

On November 1 2012, homeowners got a reason to smile with the launch of the “85-Alive” program in Ontario by Expert Mortgage. It worked on a simple rule: As long as you had a pulse, Expert Mortgage would provide you with a home equity loan, up to 85 per cent of the value of your property. No job required. Bad credit, OK.

The lowest rate & $500!

In addition to this, we provide assistance to our clients with a $500 cashback via e-transfer upon the successful closing of your mortgage with us on a limited promotional basis during the year (please call for details). The “no questions asked” lending program has been a step ahead of the major banks, which fail to consider applicants with difficult life circumstances. The major reason behind its launch has been the support of about 200 private lenders who provide money on property value. Mortgage clients looking for a helping hand in rescuing them out from financial debt will find these subprime lenders a blessing in disguise. The success of the program has been exceptional, ever since its commencement, Expert Mortgage has been finding it hard to keep up with a significant volume of calls from mortgage borrowers.

To enable mortgage financing and refinancing for the the general public, the company has joint efforts with numerous private lenders in fulfilling the volume of applications. “We’re seeing mostly homeowners behind on mortgage and property taxes and the banks are refusing to restructure their loans. Many of these people have lost jobs due to the bad economy… or they’re self-employed. Unfortunately, unless you are a perfect applicant, with a steady income, significant assets and unblemished credit, the bank may not want to talk to you.”

Expert Mortgage extends a helping hand to homeowners who may be seeking a second mortgage to address any of the above concerns and other not so common expenditures. We stand out as one of the very few brokerages that commits to finding you the best rate and terms – and we put it in writing, when no one else will.

To get more details on the Expert Mortgage’s “85-Alive Program” please contact:


Quick Mortgage Request

  • Get Approval in 24 hours!
  • Cut Monthly Payments in half!
  • Most Competitive Rates!
  • Private Funding Access!
  • Bad Credit? No Credit? No Problem!
Call Us at 416-895-6074

Our Latest Rates

Note: Rates are subject to change without notice.
Prime Rate3.95%
1 Year3.04%
2 Year3.29%
3 Year3.19%
4 Year3.49%
5 Year3.33%
5 Year Variable3.05%
5 Year High Ratio2.71%

Latest Blog Post


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.

My ex—wife’s lawyer gave me 30 days to buyout 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.

I m self—employed with bad credit related to a past business failure. My new venture was going great and I wanted to buy a home, but the bank would not qualify me for a mortgage. I didn ’t know about private lenders until I saw your flyer. Thanks for fulfilling my dream of being a homeowner.

Earning only pension income I couldn ’t keep up with my payments. The bank said that due to my age they could not give me a loan. Paying off all my debt and giving me one low monthly payment helped me save my home of 35 years. I am very much indebted to you.

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.

We are EXPERTS in hard to place mortgages! Get Approved. Call Today 416-895-6074