As principal broker of Centum Bank Street Mortgage, I have a responsibility to make certain that our Ottawa clients receive the best service that we can offer. I have been in the Mortgage industry since I was 18 years old and have received many kind words from the clients that I have worked with. With over a decade of mortgage experience, I have the expertise and the knowledge to help you out. My credentials as a certified underwriter has allowed me the opportunity to work as a Business Development Manager for a lending institution as well as given me the necessary foundation to work together with our team of certified and experienced mortgage brokers and real estate experts to build a reputable mortgage company. I believe that each client should be treated with honesty and integrity and my aim is to work with all my clients here in Ottawa to achieve his and/or her financial goals. Let me work with you to achieve this. M08000671

Lawrence Saleh – Trusted Mortgage Broker Ottawa

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.