top of page
JPP_4072.jpg

Your future depends on strategic mortgage decisions.

About

Beyond traditional mortgage brokering - I provide comprehensive strategies that turn your mortgage into a wealth-building foundation.

🏡  Mortgage Restructuring

Transform your current mortgage into a wealth-building tool. Optimize payment structures and leverage equity strategically.

  • Payment Optimization

  • Term Restructuring

  • Equity Take Out

  • Rate Optimization

🔄  Reverse Mortgage Planning

Unlock your home's equity without selling. Perfect for retirement income planning and legacy protection.

  • Retirement Income

  • No Monthly Payments

  • Stay In Your Home

  • Legacy Planning

💰  Rental Cash Damming

Convert non-deductible mortgage interest into tax-deductible investment loan interest. A powerful Canadian tax strategy.

  • Tax Optimization

  • Interest Conversion

  • Investment Acceleration

  • Wealth Building

📈  Financial Coaching

Comprehensive financial guidance connecting mortgage decisions to your bigger life goals and retirement plans.

  • Retirement Planning

  • Investment Strategy

  • Debt Consolidation

  • Goal Alignment

Are you my ideal client?

Perfect If You Are...

  • Employed full-time or self-employed

  • Own at least one property, but struggling with cashflow

  • Want to optimize finances and plan seriously for retirement

  • Worried about debt weighing you down

  • Nervous about outliving your savings

Your Desired Transformation...

✔️  Financial Relief

✔️  Complete Confidence

✔️  Clear Future Plan

✔️  Retirement Ready

Mortgage agent thinking about strategy in a house

Why choose Derrick Johnston?

Not just a mortgage agent chasing rates, I'm your strategic partner for long-term financial success.

Long Term Strategy

Not just 5-year fixes. I create comprehensive plans that align with your retirement goals.

Complex Tools Simplified

Rental cash damming, restructuring, reverse mortgages - made clear and actionable.

Confidence & Clarity

Connect mortgage decisions to bigger life goals. Sleep well knowing your plan is solid.

Get started with a complimentary 30-minute strategy session to discuss your goals.​

Derrick Johnston, Mortgage Agent L2 getmortgaged@derrickjohnston.ca

519-636-4796

BRX Mortgage 

FSRA #13463

  • White LinkedIn Icon
  • White Facebook Icon
  • White Instagram Icon

©2025

Happily working from home in London, Ontario.

bottom of page