Mortgage Sales Agent (High-Income, Performance-Based – No Experience Required)
Ardent Mortgages Inc. (FSRAO #13023)
Serious applicants only. This is a commission-only independent contractor position.
Who We Are
Ardent Mortgages is not a traditional mortgage brokerage.
We are a performance-driven sales organization focused on helping clients improve their financial position through:
- Debt consolidation
- Credit rehabilitation
- Accessing home equity
- Investment strategies
Our mission is to build long-term wealth for our clients, while creating a predictable, scalable income model for our agents.
Recognized as a Top 3 Mortgage Brokerage in Waterloo and awarded for excellence in debt consolidation solutions.
Our Approach
We take a practical, real-world approach to mortgage financing.
Our experience spans real estate, construction, private lending, and financial structuring. We focus on solving problems, not just quoting rates.
This allows our agents to develop a deeper understanding of deals and build long-term value for clients.
What Makes Us Different
Most mortgage agents rely on referrals and wait for deals.
We don’t.
We provide:
- Unlimited lead flow (no prospecting required)
- A proven outbound calling system
- Full infrastructure (CRM, underwriting, admin support)
- Structured training and coaching
This allows our agents to control their own pipeline and income.
Income Potential
- Average agent: ~$110,000/year
- Top agents: $400,000 – $680,000+/year
- Uncapped commission structure
This is a performance-based role. Your results are directly tied to your activity and skill.
What the Role Involves
- High-volume outbound calling (this is a core part of the role)
- Identifying client needs and structuring solutions
- Converting conversations into mortgage applications
- Managing files from application to funding
- Working with A, Alt-A, and private lenders
Training & Career Progression
We don’t just “hire agents”, we build them.
Your first months will include:
- Direct training and shadowing with senior agents and leadership
- Structured on-boarding focused on sales and call performance
- Weekly training sessions (sales + product)
Progression is performance-based:
- Phase 1: Learn call structure and build consistency
- Phase 2: Convert applications and manage deals
- Phase 3: Operate independently with full pipeline ownership
Who This Is For
We are looking for individuals who are:
- Driven and competitive
- Comfortable with high-volume calling and rejection
- Motivated by income and performance
- Disciplined and coach-able
- Strong communicators with the ability to build rapport quickly
Backgrounds that tend to perform well:
- Sales (insurance, automotive, telecom, call centers)
- Service/Hospitality (service centers, bar-tending, restaurant servers)
- Athletics or competitive environments
Who This Is NOT For
- Referral-based mortgage agents
- Passive or part-time candidates
- Individuals uncomfortable with outbound calling
- Those looking for a “relationship-only” sales role
Requirements
- Mortgage Agent Level 1 license (or willingness to obtain)
- Strong communication skills
- Ability to work independently in a performance-driven environment
Compensation & Benefits
- Commission-based compensation
- Health and benefits plan fully covered
- Office space, technology, and admin support included
- Company events and team environment
Important
This role has a steep learning curve.
Most new agents find the first 2–4 weeks challenging.
Those who commit to the process and build the skill-set go on to generate consistent, high income.
Next Steps
We hold weekly in-person information sessions at our Waterloo office.
Shortlisted candidates will be invited to attend and experience the environment firsthand.
Job Types: Full-time, Permanent
Pay: $100,000.00-$400,000.00 per year
Benefits:
- Casual dress
- Company events
- Dental care
- Disability insurance
- Employee assistance program
- Extended health care
- Flexible schedule
- Life insurance
- On-site parking
- RRSP match
- Vision care
Application question(s):
- We hold an in-person information session every Thursday at 9:30 AM at our office in Waterloo to provide details about the role and its expectations, and to assess potential candidates to determine mutual suitability.
Are you able to attend an upcoming session?
- We are a performance-based, commission-only sales environment that is driven by outbound calls to generate business. Are you comfortable working in a role where your income is directly tied to your effort?
- What is your mortgage agent or broker license number? If you do NOT hold a valid FSRA license, please briefly outline your current status (e.g. in progress, previously licensed, no experience, etc.).
Experience:
- mortgage agent/broker: 2 years (preferred)
Licence/Certification:
- Ontario Mortgage Agent Certificate (preferred)
Work Location: In person
