About Warwick Johnston - Mortgage Broker

Mortgage Broker

Hi, I am Warwick, a Mortgage Agent in Milton, Oakville and surrounding areas

Thank you for visiting. I wanted to share some of my story so that you can get to know a bit about me.

The Boring Stuff...

Registered as a Mortgage Agent through the Financial Services Commission of Ontario (FSCO), Registration number M10001503, and is a licensed agent of Mortgage Allies, a mortgage brokerage, license number 12358.

Registered as a member of the Canadian Mortgage Brokers Association (CMBA), Member #4146

We are governed by the Mortgage Brokerages, Lenders and Administration Act (MBLAA).

An advocate of the Milton Chamber of Commerce.

A Little About Me...

I was a CFP (Certified Financial Planner) in South Africa until moving to this amazing country in 2001. I got into Canada through a startup marketing company which got acquired by Pitney Bowes in 2008. After a two-year retention contract, I knew it was time to get back into financial services and chose to become a Mortgage Broker.

It is my financial planning background that allows me to see a mortgage as much more than just a mortgage. It must fit into one's bigger financial picture and can become an effective tool that can be used to create wealth.

Exploring every clients situation to find the mortgage solution that best suits their financial situation is a big focus. We have a product first, rate second, focus. Statistics are showing us that 83% of Canadians are changing their mortgage every 3.7 years thus making it very important that our clients are in a good flexible mortgage products that will allow them to make changes with low penalties and good pre-payment privileges during their mortgage terms. We have access to Unpublished, Discounted Mortgage rates. I hate paying these banks anymore than we need to. They already make too much money. Rate is important as long as it is not at the expense of a good product. PRODUCT first, RATE second.

Its About People...

I attribute my success to hard work and a strong belief in that when you focus on people, the business comes.

In most cases, our service to our clients is 100% FREE as we get paid by the banks. Although legally we can charge a mortgage brokerage fee on every application, if we are being paid by the bank, no matter what the amount, we choose not to charge a mortgage brokerage fees. I am not interested in making as much as we can on every mortgage. I am interested in doing the right thing and building long term relationships with clients where we do multiple transactions over many years.

For me, it's never about the money. It's only about the people I have the privilege of working with. There is much to be thankful for.


Every year my daughters and I serve at an orphanage in Tecate, Mexico. It is very encouraging to hang out with those less privileged than us and the mixing of cement in the hot Mexican sun for a week has a way of keeping one grounded. :) To learn more about the orphanage, visit: www.RDSN.org.

In Summary...

I am Committed to Excellence, Honesty, Integrity and Educating everyone I work with. Here is what some of my clients have had to say: Mortgage Testimonials

If you, or someone you know could benefit from my expertise in obtaining any property financing, I would certainly value the opportunity.

Looking forward to meeting you: Contact Warwick Johnston, Mortgage Broker in Milton, ON.

Providing a wide range of mortgage services, some of which include: First Time Home Buyer Mortgage, Home Purchase Mortgage, Mortgage Refinance and Reverse Mortgage.