About Danny
Ontario Mortgage Broker & Mortgage Strategist
More about why I do what I do
I’m Danny Cardoso, an Ontario Mortgage Broker who believes your mortgage should be a wealth-building tool, not just a loan.
I focus on strategy over rates, helping clients understand the bigger picture behind their financing. Whether you’re buying, refinancing, investing, or restructuring your debt, my goal is to build a long-term plan that supports your 5-, 10-, and 20-year financial goals.
Instead of handing out cookie-cutter approvals, I walk clients through budgeting, planning, and structuring their mortgage properly from day one. The right strategy can save thousands in interest, improve cashflow, and accelerate real estate growth. That’s exactly what I help you build.
Our Promises To You
Long-term strategy planning
Every client gets a mortgage strategy built around their future goals, not just today’s rate
Transparency and clear communication
No jargon, no confusion. I walk you through the numbers so you always know what’s happening and why.
Personalized solutions tailored to goals
our situation is unique, and your mortgage should reflect that. No cookie-cutter approvals.
Ongoing support before, during, and after closing
I’m with you before, during, and after closing, adjusting your plan as life and rates
What I Believe
A low lending rate is great, but there’s much more to it than that.
Your mortgage is a wealth-building tool
When structured properly, it helps you grow, invest, and get ahead faster.
Strategy matters more than the lowest rate
The cheapest rate isn’t always the smartest option. Long-term planning wins every time.
Every client deserves clarity
You should always understand the numbers, the plan, and the impact on your future.
Financial decisions should be simple
No pressure, no confusion, just straightforward advice and a clear path forward.
How I got into the industry
Helping clients see the big picture
Building programs like 7×70 and focusing on training
Why I practice strategy-based mortgage planning
My Story
I got into this business because of the experience I had with my own mortgage broker. The way I was guided, educated, and supported through the process really stuck with me. It wasn’t just about getting approved, it was the communication, the hand-holding, and the feeling that someone actually cared about my outcome.
That experience made me realize that this is exactly how I wanted to treat other people. I wanted to build a business where clients feel supported, understood, and confident in every decision. That mindset has shaped the way I work today. Strategy first, people first, always.
What I Believe
01
Discovery Call
02
Application + Document Review
03
Budget + Planning Call
04
Implementation + Ongoing Check-ins
Ready to find the right mortgage strategy?
Let’s get your mortgage moving