Michael Pacey is a lifelong resident of the Toronto Beaches, where he was born and raised and continues to live with his wife, who is also from the community. Together, they are raising their three boys in the Beaches, all of whom are actively involved in local sports and community programs, especially hockey. Deeply committed to giving back, Michael coaches the St. John’s Catholic School hockey team, which proudly captured the city championship in 2025.

With 18 years of experience in the mortgage industry, Michael brings deep expertise and a proven track record to every client relationship. He began his career with National Bank and has spent the past 13 years with DLC Estate Mortgage. A Hall of Fame member at DLC National, Michael has helped thousands of clients successfully purchase their dream homes, cottages, rental properties, and second homes, guiding them through every stage of the process with clarity and confidence.

What truly sets Michael apart is his personalized, relationship-driven approach. He believes great mortgage advice goes beyond finding the lowest rate — it’s about building the right mortgage strategy to fit your lifestyle and long-term goals. Michael specializes in advanced planning techniques such as rental cash damming, debt swaps, readvanceable HELOCs, and reverse mortgages, tailoring every solution to help clients save money and build wealth. He also draws from personal experience, having applied many of these strategies within his own long-term property planning.

Ready to get started? Contact Michael today to build a mortgage plan that fits your life.

Mike Pacey Mortgage Agent 2 #M12002264 FSCO #11363

DLC Estate Mortgages

1052 Kingston Rd - Toronto

C:647.981.0107

O:416.690.2181

mpacey@dominionlending.ca