The Truth About Mortgage Rates Online

What no one is telling you about the mortgage rates you see online...

Any rates you see online are completely, utterly, 100% meaningless

You see, without knowing any information about you or your background, there is literally zero way that anyone knows whether or not you can actually get the rates you see.

How Can You See What Rates You Can Actually Get?

Well, with just 90 seconds of your time - to give us the basic information we need - we can show what mortgage rates you can actually get - not fake numbers listed on a website somewhere.

And we will check virtually every lender on the market for you - comparing your options to your own bank or lender to give you the best possible deal.

This service is completely free, only takes 90 seconds and there are absolutely no obligations at all.

Have You Ever Wondered Why Online Mortgage Rates Are A 'Special Deal' And Usually Have A String Of Conditions Attached?

You may have noticed that mortgage rates advertised like this often have a string of conditions.
Often there are lots of terms and conditions like these:

  1. Mortgage of over $400,000 but not over $600,000
  2. Not a 'High Ratio' customer
  3. You don't care about penalties
  4. It's not a condo, townhome, or semidetached
  5. The property can't be near a gas station
  6. You have to be dog lover, no cats

You can see how ridiculous the conditions can be.

This is how these services can justify it when you don't actually get the rate they offer:
They show you the low interest rate and once they get you in the door, they change their tune.

Advertising Low Rates That We Can't Honour Is Not Our Style

Advertising lower rates has been an industry staple for the last few decades, but the interest rate of your mortgage is only one piece of the puzzle.

The reason that we don't advertise rates at Ardent Mortgages is because we don't want you to get too hung up on only getting the lowest rate. We want to get you the best deal for your situation, and sometime the low rates (when they are really offered!) actually come with a variety of hidden costs and penalties.

Low rates are often used as a bait and switch tactic anyway. Their hope is that once they start talking to you, you're not going to walk away once you discover that those super low rates aren't actually available to you.

Instead, Why Not See What Mortgage Rates You Can Actually Get?

Again, with just 90 seconds of your time, we can show you which mortgage rates you can actually get.

And we will check nearly every major and minor lender on the market for you - comparing your options to your own bank or lender.

There is no need to fill out long, boring mortgage application forms - this is a very simple online application that will only take you only 90 seconds. Click the button below to get started.

Don't just take our word for it!

You don't get satisfied customers like this by doing a bait and switch

"My husband and I worked with Joseph to get our mortgage and we were very happy with what he had offered us. He has put us on the right path. I would recommend Joseph in a heart beat. You will get good service from him."

Tina Q

"I just wanted to say thank you very much for working so hard to get me my mortgage when other companies wouldn't even look at me, you truly were my earth Angel and I so much appreciate what you did for me. It came down to the wire but it closed and what a relief, I am now debt free apart from the mortgage. I guess I will be talking to you a year when I am up for renewal."

Bridget M

Located In And Serving Kitchener, Waterloo, Cambridge And All Of Ontario

Whether you're a first time home buyer, looking for a mortgage refinance, a mortgage pre-approval or a bad credit mortgage - we've got a mortgage for that.

If you're looking for a mortgage broker near me, you're able to reach us anytime with a quick phone call or email. And if you're located in the KW area, you can visit our offices.

Ardent Mortgages Inc.
FSCO License #13023
Kitchener Mortgage Broker
440 Phillip St.,
Waterloo, Ontario
N2L 5R9
Local-No: (519) 772-7615

Call us 24/7

Buying a home

Whether you're a first time home buyer, buying an investment property or your dream cottage - we have helped hundreds of people like you. Get professional mortgage advice at every step of your purchase.

Mortgage Pre Approvals

Quickly and easily find out how much you can afford and what kind of mortgage pre approval you can get. Our top professionals guide you all the way through until the keys to your new home are in your hand.

Refinances / Renewals

Pay off some debts or simply lower your mortgage rate. We search over 39 lenders for you so see how we can make your money work better for you and potentially save you hundreds of dollars every single month.

Have a favourite bank?

As dedicated mortgage brokers we work closely with the major banks as well as a number of other alternative and private lenders. Work with us to quickly and easily get the best mortgage for you.

Frequently Asked Questions

Click on the question to reveal the answer

We do not charge you anything at all except in extreme credit cases (for example, if you have previously been bankrupt). Otherwise, using a mortgage broker to help with your mortgage is completely free - sit back, relax and let us do the hard work for you. We get paid from the lender, not the borrower, and only if the deal closes and makes sense for you.

A mortgage broker is an independent professional who works directly for you. We work with virtually every major lender, so we literally have access to thousands of mortgage products - meaning we can pick the right one for your exact situation.
On the other hand, your bank only serves their own products. Both your bank representative and our mortgage brokers would be paid a commission on the deal. So the real difference is the flexibility and range of options that a mortgage broker can bring you, compared to your bank.

Aside from the fact that we belong to the #1 brokerage network in Canada - which means we can bring you the best deals out there - we at Ardent Mortgages are the only mortgage brokers in the KW Region that shows you the true costs of your mortgage. No matter your situation, our goal is to help you get to the next level and part of our service is creating a plan for you that helps you achieve your financial goals.

Absolutely everything - you name it, we've done it. From purchases, pre-approvals, refinances, renewals, commercial mortgages, investment properties, bad credit mortgage, second mortgages, property tax arrears to construction loans - you name it and we've done it.

We are committed to responding to any inquiries within an hour - so if you fill out an application on this website or with one of our agents, we will reach out to you within one hour. At the very least, you will have someone contact you within 24 hours if it's late or on the weekend. We pride ourselves in being available and accessible for our clients.