Our diversity of mortgage products is only matched by our versatility and exceptional service.


At Yhard Mortgages, we thrive on maintaining the highest customer service standards. The client always comes first. With almost 30 years in the industry, we’ve built our business on trust, one relationship at a time. Our goal is to continue to help past, present and future clients to the best of our ability.

Low rate mortgages

When you work with Yhard Mortgages, you know you’re in trusted hands. Bring your mortgage application to a qualified Yhard mortgage broker for competitive rates that are most times lower than dealing directly with your own bank. Our knowledge and industry expertise will help you to meet your financial goals. We have worked hard to grow a lengthy list of lenders who are waiting for our call.

Our mortgage products include:

  • New Home Purchases
  • Equity Take Out
  • Secured Lines Of Credit
  • First & Second Mortgages
  • New Construction & Renovation
  • Mortgage Transfers
  • First Time Home Buyers
  • New To Canada
  • Credit Repair Mortgages
  • Refinancing Existing Mortgage
  • Debt Consolidation
  • Private Mortgages
  • Reverse Mortgages
  • Vacation Homes
  • Rental Properties

Brian of Yhard Mortgages has assisted me with two mortgage renewals so far and I will gladly go back to him the next time. He is very knowledgeable, professional and will get the best rate for you as he has for me.
— Brent R.

first-time home buyer

The process of purchasing your first home can be complicated and quite involved. Unlike working with a big bank, a qualified mortgage broker will walk the first-time home buyer through the process so they truly understand every step of the way. Let Yhard Mortgages help you gain the proper knowledge and confidence you need to make the right decision for you.

Seasoned home buyers

Seasoned home buyers… you know the drill! You’ve been through this before. But have you had a mortgage broker make you aware of falling interest rates? We look for opportunities for our clients to receive the best rating possible and are happy to make recommendations to go elsewhere to best serve you. Unlike big banks, we provide the flexibility to do this without the competition.

multiple property buyers

Big banks can be hesitant to have multiple mortgages with clients. We can help you avoid this issue by using several different mortgage companies instead of being locked into one. Let us help you best achieve your financial goals without the restrictions


Ready to build your dream home? We are here to take you through the process. We work hard to get you the funds you need for your construction project. Plus, your construction mortgage will be available at the low rates available to our company. Bring us your project and let us work for you to locate the necessary funds.

Commercial Financing

Looking to buy a business? Expanding on your existing business? We will handle the process of locating and arranging the finances while you continue to run your business.


At Yhard Mortgages, we understand that not everyone has perfect credit. We know that situations can arise and consumers miss payments from time to time. We will gladly review any application that has been turned down by your bank. If you have been through bankruptcy, consumer proposal, credit counselling or have accounts in collections, we have programs that are tailored for you to buy, or refinance your home.


Are you 55+ years of age and having trouble downsizing? Unlike big banks, mortgage brokers have access to reverse mortgages. With a reverse mortgage, there are no payments until the house is sold or the client moves out of the home. Let us help you find the best solution for you and your situation.


We work with a wide variety of clients including those who have exceptional credit or are currently experiencing slow credit. One option is to combine your debt with our mortgage consolidation services. Car loans and credit lines typically have 5-10% interest rates with credit cards rates reaching up to 29.9%. Contact us to assess your potential savings by consolidating your debts into a lower priced mortgage. We love to save you money where we can.