I have entered this industry as I have had many mortgages over the years with banks and brokerages. From this I have learnt what customers want and take pride in sharing professional honest advice. I strive to provide my customers with the best possible experience. Purchasing, refinancing, renovations, I will find you the most suitable product that meets your needs. I have experience on both sides with renovations as we all have something we want to do to our homes to make our own, to help get this done sooner rather than later and prices always going up we offer purchase plus improvement plans or something to help complete a renovation in your current house. I have an analytical mindset and offer my clients full financial advice. Not only for your understanding on what you qualify for today but what is the plan long term to ensure you are receiving the savings to help grow your financial future. My goal is to get you the lowest rates possible so that your investments can deliver the best possible returns. M21001306

John McHardy – Ottawa Mortgage Broker

John McHardy is a licensed Ottawa mortgage broker with years of experience helping clients navigate the competitive Ottawa real estate market. Specializing in private mortgages Ottawa and traditional financing, John provides tailored solutions for first-time homebuyers, investors, and homeowners seeking refinancing.

John’s approach combines in-depth market knowledge with personalized guidance, ensuring every client finds the best Ottawa mortgages to suit their financial goals.

Professional Expertise

John McHardy brings extensive experience as a top Ottawa mortgage broker, helping clients navigate the city’s competitive real estate market with confidence. He offers tailored solutions that match each client’s financial situation, ensuring access to the best mortgage options.

Mortgage Services Offered:
  • Private Mortgages Ottawa – Flexible financing for clients with non-traditional income, lower credit scores, or unique financial needs.
  • First-Time Homebuyer Mortgages – Expert guidance on government incentives, down payment requirements, and smooth approval processes.
  • Refinancing & Renewal – Strategies to reduce interest rates, consolidate debt, or switch between fixed and variable mortgage types.
  • Investment Property Financing – Customized solutions to maximize returns for real estate investors, with flexible repayment options.

Each service is designed to provide personalized support, expert advice, and access to competitive Ottawa mortgage rates, helping clients achieve their homeownership or investment goals.

Why Work with John McHardy?
  • Deep knowledge of Ottawa’s real estate market
  • Access to multiple lenders for competitive Ottawa mortgages
  • Personalized strategies for financial growth
  • Transparent and ethical service

Approach to Personalized Mortgage Solutions

John evaluates each client’s financial profile, including credit, income, and property goals, to create a customized mortgage strategy. By leveraging his network of lenders, he ensures clients secure the most competitive Mortgage Brokers Ottawa options.

Points:

  • Full lender comparison to secure best rates
  • Expert negotiation on terms and conditions
  • Hands-on guidance through pre-approval, closing, and beyond

Client Success Stories

John has helped hundreds of Ottawa residents achieve homeownership with confidence. From first-time buyers to seasoned investors, clients appreciate his thorough approach and dedication to finding the best mortgage solution.

FAQ's

What is a private mortgage in Ottawa?

A flexible loan option for clients not qualifying under traditional lenders.

Brokers compare multiple lenders to secure lower rates and better terms.

Most brokers, including John McHardy, are free for borrowers; fees are paid by lenders.

Yes, he specializes in refinancing for lower payments, equity access, and better terms.

Local brokers understand market trends, lender policies, and neighborhood pricing.