Business Details
38 Years
experience
Trusted Mortgage Broker in Halifax, Nova Scotia
Established in 1988, Yhard Mortgages has built a reputation as a trusted mortgage brokerage serving clients across Nova Scotia and Canada. With 35 years of industry expertise, we specialize in accessing competitive interest rates through a network of 35+ lenders, ensuring tailored mortgage solutions for residential properties. Our client-first approach prioritizes transparency, with no direct fees charged to clients as we are compensated by mortgage companies. We offer comprehensive services including mortgage pre-approvals, first-time homebuyer guidance, refinancing, debt consolidation, reverse mortgages, and construction financing.Our team, led by Brian Yhard, focuses on long-term relationships, providing ongoing support to help clients navigate changing market conditions. Unlike traditional banks, we leverage our broker independence to secure rates often lower than direct lender offerings. Our service areas span Halifax, Bedford, Sackville, Dartmouth, Truro, Sydney, Yarmouth, Kentville, Bridgewater, and all Canadian provinces. Client testimonials highlight our professionalism, personalized service, and commitment to saving clients money through expert rate negotiation.
Services
Mortgage Pre-Approval
First-Time Home Buyers
Reverse Mortgages
Debt Consolidation
New Home Purchases
Credit Repair Mortgages
Construction Financing
Private Mortgages
Mortgage Transfers
Refinancing
Details
- Year established: 1988
Highlights and features
- We offer 35 years of mortgage industry expertise serving Nova Scotia and Canada-wide.
- Our clients benefit from access to 35+ mortgage lenders for competitive rate comparisons.
- No direct fees charged to clients - compensated by mortgage companies instead.
- Specialized services for first-time homebuyers, reverse mortgages, and debt consolidation.
- Proven track record of securing lower rates than traditional bank offerings.
What people say
Extremely professional
Saved us money
Patient and knowledgeable
Made process easy
Highly recommend
Services
Mortgage Pre-Approval
Our mortgage pre-approval service provides clarity on your purchasing power with a guaranteed interest rate for up to 120 days. This process helps first-time buyers understand affordability limits while giving seasoned buyers negotiating advantages. We analyze your financial situation to determine exact qualification amounts without impacting credit scores through soft inquiries.
Reverse Mortgages
Designed for homeowners aged 55+, our reverse mortgage solutions provide tax-free cash without monthly payments. Funds can be used for retirement income, medical expenses, or home modifications. We explain eligibility requirements and help calculate optimal loan amounts based on property value and borrower age.
Debt Consolidation
We help clients reduce high-interest debt burdens through strategic mortgage refinancing. By consolidating credit card balances and loans into a single lower-rate mortgage payment, clients typically save thousands annually. Our team analyzes current rates and equity positions to determine the most cost-effective consolidation approach.
First-Time Home Buyers
Our first-time buyer program guides clients through every step of homeownership. We explain down payment requirements, insurance options, and closing costs while connecting buyers with preferred real estate partners. Clients receive personalized education about mortgage terms and long-term financial planning considerations.
Private Mortgages
For clients with non-traditional credit histories, our private mortgage solutions offer flexible approval criteria. We work with specialized lenders to accommodate bankruptcy recoveries, self-employed income verification, and unique property types. Each application receives individualized assessment beyond standard credit scoring models.
People
Brian Yhard
Mortgage Broker
With 35 years of mortgage industry experience, Brian Yhard specializes in connecting clients with competitive financing solutions. He focuses on personalized service, maintaining long-term relationships with clients beyond initial transactions. His expertise spans complex mortgage scenarios including credit recovery and construction financing.
Questions
What documents are needed for mortgage pre-approval?
We require proof of income, employment verification, down payment confirmation, and identification. Additional documentation may be needed for self-employed applicants or complex financial situations.
Can I get a mortgage with past credit issues?
Yes, we work with lenders offering specialized programs for credit recovery. We'll help determine your eligibility and create a plan to improve approval chances while explaining rate implications.
How do mortgage brokers get better rates than banks?
Brokers access wholesale lending rates through multiple institutions without retail overhead costs. This allows us to negotiate terms individual borrowers couldn't typically secure directly from banks.
What are the benefits of a reverse mortgage?
Reverse mortgages provide tax-free cash flow without monthly payments, allowing seniors to access home equity while maintaining ownership. Funds can be used for any purpose with no income restrictions.
Do you charge fees for mortgage services?
No, we don't charge direct fees to clients. Our services are compensated by mortgage lenders upon successful loan completion, with no additional costs to borrowers.
