The new era of homeownership is here. I take the complexity out of mortgages — clear answers, real options, and a process you'll actually understand.
Whether you're buying your first home, refinancing, or investing — we have the right solution for you.
Navigating your first purchase? I'll guide you through every step — from pre-approval to closing — with clear, jargon-free advice and access to first-time buyer programs.
Don't just auto-renew. I shop over 50 lenders to ensure you're getting the best rate and terms when your mortgage comes up for renewal.
Unlock equity in your home, consolidate debt, or lower your interest rate. I analyze your situation and present the most advantageous options available.
Expand your real estate portfolio with strategic financing. I specialize in rental property mortgages and multi-unit residential financing.
Non-traditional income? I work with lenders who understand your situation and can get you approved when the big banks say no.
Moving your mortgage doesn't have to cost you. I handle the paperwork and negotiate better terms when you switch lenders at no cost to you.
Get a quick estimate. For a personalized rate, book a free call.
* This is an estimate for informational purposes only. Actual rates depend on your credit profile, lender, and market conditions. CMHC insurance may apply for down payments under 20%.
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I'm Hamed Ebadi, a licensed Mortgage Agent Level 1 based in Woodbridge, ON. At Decoded Mortgages, my mission is simple — strip away the complexity, the fine print, and the confusion, and replace it with clear, honest guidance that puts you in control of your financial future.
Real clients. Real results. Real clarity — from day one to closing.
"Hamed made our first home purchase completely stress-free. He explained every option in plain language and got us a rate lower than our bank offered. We always knew exactly what was happening."
"I was self-employed and got turned down by two banks. Hamed decoded the whole process for me, found a lender that understood my situation, and got me approved in under a week."
"Refinancing felt overwhelming until I spoke with Hamed. He broke it all down — no confusing terms, no pressure — just honest advice. The savings were significant and the process was seamless."
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Book a free, no-obligation consultation. I'll review your situation and present your best options — usually within 24 hours.