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  • Best Debt Consolidation Solutions Provider - Southern Ontario 2019

    At Ardent Mortgages Inc, our goal is to build the wealth of our clients. We strive for 100% satisfaction.

    See What the Community is Saying About Their Experience »
  • TommusRhodus is an elite author known for offering high-quality, high-value products backed by timely and personable support. Recognised and awarded by Envato on multiple occasions for producing consistently outstanding products, it's no wonder over 40,000 customers enjoy using TommusRhodus themes.

  • Rated Top 3 Best Mortgage Brokers in Waterloo

    At Ardent Mortgages Inc, our mission is to help Canadians who are being left behind put their hard-earned money back into their pockets.

  • Get your maximum mortgage amount in under five minutes

    Find out how much you are pre-qualified for with our brand new mortgage pre-qualification tool. In just 5 minutes, you can get your credit score for free and a pre-qualification certificate sent to your inbox.

    Click Here To Find Out How Much Your Pre-Qualfied For »

Don't just take our word for it

  • “My Husband and I would like to thank Kevin for all his had work and efforts in giving us options in putting everything under one umbrella. One phone call changed our lives. Kevin is very professional and cares. Kevin explained a few options and also walked us through and helped us pick the best solution for us. Another plus was we did not have to leave our house. Everything was done in the comfort of our home. Thank you Kevin”
    Peter Omran
  • “I have known Joseph Accardi for over 3 years now and he has helped us with a lot of things in our financial goals and challenges overt the years, from refinancing our mortgage, advising us how to utilize our income and savings, and most importantly, he had helped us close the deal from start to finish. He is always available to answer questions and he explains to us fully what the process is all about - he was always there to guide us.”
    Veronica Dichoso
  • “We are very happy with the customer service we had with Rinku. She was able to answer any questions and did so with precise and factual comments. Going above and beyond Rinku sent Mr Samba a birthday card and wishes via voice mail and postal service. We have also given Rinku's number and praises to a friend for assistance.Thank you”
    Melanie Hyderman & Forster Samba
  • “I would like to thank you for all the work you have done. Thank you for trying, it was really appreciated from us, you are a very nice and sweet lady and I really enjoyed talking with you every time you called.”
    Penny Sanderson
  • “I want to thank both of you for making this deal happen. I know it took tremendous effort and ingenuity. I will never be able to thank you enough. My only regret is not being able to thank you in person.”
    Viviane LaPointe
  • “Joseph, Chantal and Tom helped us purchase our first home together. they worked quickly and efficiently and made the process enjoyable! Thanks again Ardent Mortgage Team!”
    Brittany Wightman

Our Range of Services


Mortgage Refinance

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 first home, quickly, 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 of get the funds you need.

The 3 Biggest Benefits of Working With Ardent Mortgages To Refinance Your Mortgage!

Lower Your Interest Rates

High interest rate debt can be like a black hole, no matter how hard you try, you always seem to owe more money each month. By lowering the interest rates you're paying on your debt, you can make more progress towards actually becoming debt free.

Whether it's refinancing your mortgage, consolidating your unsecured debts, or finding you a home equity line of credit, Ardent Mortgage agents can help you get the low interest solution you need quickly and easily without the hassle.

Reduce Your Monthly Payments

Refinancing your mortgage and consolidating your debts can do more than just save you money on interest, it can also lower your monthly payments. Increasing your cash flow can be one of the fastest ways to get your life back on track.

We can figure out a mortgage solution for you that fits your financial goals and allows you to keep more of your money in your pocket where it belongs.

Quickly Boost Your Credit

Consolidating your unsecured debts with your home equity is one of the fastest and most effective ways to boost your credit score. By reducing your unsecured balances to zero, your credit will often begin to rise each month.

Improving your credit situation is one of our primary goals, we want you to be in a better position at the end of the deal than when you started working with us. We have worked with clients that have had bankruptcies, consumer proposals, and other credit issues on their file and have gotten them the financing they need to move forward in life.

Case Study #1: Mr. and Mrs. S

Mr. and Mrs. S were in a tough situation with over $80 000 in high interest debt. Find out how we found them a solution to their problem and saved them over $1500/month.

Case Study #2: A Fresh Start

Learn how one client went from in debt to having an additional $1500 each month, and then see how the client can save them $182,000 in interest on their mortgage!

Case Study #3: Increasing Your Credit Score

This case study reveals how two of our clients increased their credit scores by over 100 points each in only three months, just by doing one simple thing.

Want the inside scoop?

Join the hundreds of subscribers in the Ardent community who are learning how to save money on their mortgage right now!