ABOUT US2020-01-02T19:30:13+00:00
Trinity Bellwoods Park - CN Tower - Home of Dream Key Mortgage Best Brokers

Dream Key Mortgage is:

What does a mortgage broker do?

At Dream Key Mortgage, we understand that each individual is uniquely different, and  applying single lending solutions across the board is simply ineffective. Instead, we take the time to understand your distinct level of experience with mortgages and ownership and follow a thoughtful approach to curate a customized mortgage solution that considers both your long and short-term financial goals.

Dream Key Mortgage is a family orientated company who believes that loyalty, trust and accountability are the key attributes for a long-lasting relationship. We cater to all demographics in the Greater Toronto Area and whether you’re a first-time home buyer, an experienced investor, or someone in between, our customized process ensures all your specific needs are met. We pride ourselves on our flexibility in remaining objective and use our tools and experience to provide sound advice with each step of the way.

What is the Process of Attaining a Mortgage?

The process of attaining a mortgage may appear to be relatively straightforward; however, with ever-changing rates and regulations, there are hundreds of variables in today’s lending landscape that can make the mortgage process quite complex; but, it doesn’t have to be overwhelming. We’re committed to putting our skills and experience to work for you, bringing our wealth of knowledge and passion for our craft to exacting the mortgage approval process. Specializing in mortgage lending products including home purchases, refinances, mortgage renewals, construction mortgages, and equity line of credits, we’re here to ensure our clients seamlessly navigate through the process with confidence.

In addition, we’ve created a powerful network that includes connections with some of the top leading professionals in the real-estate industry to build your one-stop shop experience. Finding the right mortgage is a collaborative effort, and each member of your team plays an important role. Let us put you in front of the right people, so you are in the best hands, every step of the way.

Are Mortgage Brokers Better Than Banks?

We ensure our clients have access to premium rates and mortgage services from a wide range of lenders, including major banks and lending institutions who are best positioned to meet the requirements specific to your needs. By empowering you with information to adequately assess your goals, our counsel and direction will illuminate the pathway that’s right for you, while helping you build the blueprint that fits your financial future. It’s not just an approval, it’s your dream key.

Meet The Team

Mark Barykin - Toronto's best private mortgage broker and co-founder of dream key mortgage

After my tenure working for some of Canada’s largest financial institutions, I learned the importance of exceptional customer service and fell in love with helping others exceed their financial goals. Ensuring I always stayed knowledgeable on the ever-changing mortgage rules, I adopted a “let’s get it done” attitude which allows me to persevere and fight for my client’s best interest. I went from giving advice and finding short-term solutions for my clients, to advising others on debt consolidation and the benefits of amalgamating their debt under a single lending facility. It is truly amazing what you can do with a small amount of money put away each month! Ultimately, nothing brings me more joy than helping young professionals and new families go from renting to owning their first home. 

Always an Entrepreneur at heart, I wanted to expand on this client-focused approach to lending, while offering clients more options and so, I decided to leave the big-brand, financial institutions to create a service that delivers the same high-end quality, but on a smaller scale to enhance the user experience and ensure everyone knows they are important.

I decided to leave the big-brand, financial institutions to create a service that delivers the same high-end quality, but with more options

Originally from Russia, after moving to Toronto at the early age of 13, I very quickly adapted to my new environment, falling in love with Toronto’s opportunity, culture, and its varied history. It is my diverse background that allows me to connect with the GTA’s increasing immigrant population, as well as long-time residents to help them achieve their financial goals. I firmly believe that by putting my client’s best interest first, everything else will fall into place. 

I am thrilled to be leading Dream Key Mortgage where my dedication to client services ensures an enjoyable process for all parties. When I’m not working, you can find me soaking up Toronto’s cultural festivals, skiing during the winter months, and always making time to visit my family.

Stewart Debarros - Toronto's best private mortgage broker and co-founder of dream key mortgage

From there, I became a sales coordinator and eventually ended up taking a position as a Mobile Mortgage Advisor. I found myself stuck in certain situations and although I was able to make some miracles happen, I only had one banks products exposable to my clients. After 8 grateful years, I decided that the best way to serve my clients is to give them more options. I’m the type of person that likes to roll up my sleeves and get to work. I also have a difficult time letting things go, I guess you can say that’s how I treat my client’s applications.

I decided that the best way to serve my clients is to give them more options.

I have 8 years experience in the mortgage industry in a fast paced environment, not many brokers can say the same. I like to make things as seamless as possible for my clients while finding the best possible solution. Exploring different lenders instead of finding the first one that sticks. To me it’s important to take a step back and put myself in my client’s shoes and ask myself, is this the right product for me? What are my short/long term goals, does this 5 year fixed term make sense? In order to be accountable, you have to be knowledgeable and in order to have faith you need to trust the person who’s dealing with one of the biggest financial decisions of your life.

Mark and I started this company because we love what we do and we want to make sure our clients are in good hands. long lasting relationships is what we strive for. So If you ask me how long I’ve been in this industry I’d say long enough to know it’s not just an approval, it’s your Dream Key.

Amita Kapur Mortgage Agent

Ready to Talk

Prior to contacting a realtor and before looking for properties, the first thing you should do is to get a Mortgage Pre-Approval. Once you know your home buying price range, you can efficiently start your search.