Large Lender

We work with more than 50 lenders and banks to compare rates and mortgage products to suit your needs.

A Team Of

You can expect to find a diverse team of experienced professionals dedicated to working for you.

Free No-Obligation

Have you thought about whether you are in the best financial situation? At no cost, get a free second opinion.

Services We Provide

Covered across Ontario

Mortgage Refinancing

Refinance your mortgage to take advantage of lower rates or access your home’s equity.

Home Purchase

Secure the financing you need to purchase your home, quick, easy, and hassle-free.

Debt Consolidation

Consolidate your unsecured high interest debt by using your home’s equity.


Reverse Mortgage

Get a steady stream of income for your retirement years by using a reverse mortgage.

Commercial Mortgage

Need financing for your commercial property? We can help.

Home Equity Line of Credit

Need to renovate your home? Open up a Home Equity Line of Credit to get the funds you need.

Award Winning

Platinum - Mortgages and Brokers

Community Votes Kitchener/Waterloo, 2021

Best New Brokerage of the Year Finalist

Canadian Mortgage Awards, 2020

Best Debt Consolidation Solutions Provider - Southern Ontario

International Finance Awards, 2020 & 2019

Top 3 Best Mortgage Brokers - Waterloo

Three Best Rated, 2019 - 2022

Digital Innovation in a Brokerage Finalist

Canadian Mortgage Awards, 2022

Chairman's Club - VERIS Award

Joseph Accardi, 2019, 2020
Why you should work with ardent mortgages

Our team has worked with over 2,600 clients

At Ardent Mortgages, our mission is to build the wealth of our clients, putting more of your hard-earned money back into your pocket. Our goal is to reduce the strain that debt has on Canadian households by focusing on solutions like mortgage refinancing to consolidate high interested debt.

Working with over 50 lenders and with our dedicated team here at Ardent Mortgages, we want our clients to know that we will always have their best solutions in mind as we prepare a plan that best suits their needs. By focusing our work in Ontario, this allows us to best serve our neighbours across the province.

Solutions that cater
to every homeowner

Your success is our goal. That’s why when you work with us, our dedicated team will work to find your best solution.

  • Solutions to improve your cash flow
  • Credit rehabilitation and assistance
  • Access the equity you've built in your home
  • Investment opportunity with our MIC partner

Our goal is to help Canadians by building their wealth and getting them on the path to financial freedom.

Joseph AccardiOwner and Principal Broker

Latest News

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Clients’ Testimonials

  • I have nothing but great things to says about Joseph and Ardent Mortgages. They were helpful and knowledgeable throughout the entire process, really striving to guide us to the best solution for us and one that would meet our needs. In the end, we ended up staying with our own bank, but that was only because it was the best solution for us, which is the same conclusion that Ardent Mortgages guided us to. And that’s exactly what you get with them. Straight forward, honest information, even if it means they don’t get your business, they put you first. It’s like you’re speaking to a friend, and that’s exactly what they are to us. When our mortgages comes up for renewal again, they will undoubtedly be our first call. Thanks Ardent Mortgages! You certainly provide a world-class client experience, which is rare these days. Bravo!

    Edward McGrath
    March, 2020
  • I would highly recommend Ardent Mortgages. I’ve had the honour of using them 3 times now, dealing with Michelle & Rinku each time; which was by far the best customer service I could have ever asked for. They went above and beyond each and every time. They have helped my family get back on the right track financially and guided us in the right direction. We cannot thank them enough.

    Nicole Clause
    February, 2020
  • I have dealt with Kevin Hatt and Ardent mortgages, and I was Kevin’s first customer . We have had growing pains, but Kevin has strived to give me great service I was in Reale-state and know what it’s like to be new, but our last two dealings together have gone without a hitch, and that is all due to Kevin and his hard work and finding the best package I could get thank you Kevin and Ardent Mortgages.

    Rick Bannister
    January, 2020

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