Offering a full suite of mortgage products defined by competitve rates and convenient terms.
What is a mortgage broker?
A mortgage broker is a licensed trained professional that provides sound advice for your mortgage needs. A mortgage broker acts as an intermediary who brokers mortgages on behalf of individuals or businesses. Traditionally, banks and other lending institutions have sold their own products. However as markets for mortgages have become more competitive, the role of the mortgage broker has become more popular.
HOW DO MORTGAGE BROKERS GET SUPERIOR RATES?
Brokers go directly to the source of funds. When dealing directly with a bank, there are lots of expenses to run the bank (salaries, heat, lights, rent etc.) and therefore the costs to originate the mortgage is much higher than using the services of a broker. Using the services of a broker saves money and these savings are passed onto the clients.
CAN I GO THROUGH MY BANK WITH A BROKER?
Yes, mortgage brokers deal with many of the chartered banks and can generally coordinate a lower rate than you can get on your own.
Why work with a mortgage broker?
A mortgage broker represents the customer, not the lender. A broker is not an employee of a lending institution. They are focused on finding the best rates and terms for their clients, no matter their situation. A professional presentation to prospective lenders will get favourable responses and save time and money. Yhard Mortgages works with over 30 mortgage companies across the country who compete for your business.
WHAT LENDERS DOES YHARD MORTGAGES WORK WITH?
Some of the many lenders we deal with include: TD Canada Trust, Scotiabank, Home Trust, Street Capital Bank, First National, Bridgewater Bank, MCAP, RMG Mortgages, Wealthline, B2B Bank, Manulife Bank, Equitable Bank, Merix, Xceed, Home Equity Bank, Credit Union Atlantic and several others.
What regions does yhard mortgages serve?
Yhard Mortgages services all regions across Nova Scotia including Halifax, Bedford, Sackville, Dartmouth, Truro, Sydney, Yarmouth, Kentville, Bridgewater and beyond. We are also licensed to manage mortgages across Canada and have arranged many mortgages in provinces across the country.