Mortgage Broker Victoria, BC

Fast, Friendly and Local Mortgage Expert

Hi, my name is Jennifer, a Mortgage Broker in Victoria BC. I can help you find perfect mortgage with one of my 60+ lenders and set you up for financial success. If you’re ready to get started or just need advice on what to do next, I’m here to help. Click the button to schedule a call directly in my calendar.

Jennifer Harder

Hi, I'm Jennifer

My goal is to help put you in the best financial position of your life.

When you’re my client, I’m going to treat you like family and work like crazy to make sure you walk into your home everyday feeling good about how everything worked out. Because I focus most of my business in Victoria, I have a strong network of local professionals that can help make your experience as enjoyable as possible.

Friendly Expertise

I'm happy to help you, whether you end up using me or not. There's no pressure.

Beyond 9-to-5

Once you're my client, I'm available for you evenings and weekends.

Fast, Online Service

The entire approval process can be handled online, by phone and email.

Flexible Mortgage Options

Access to 60+ lenders, from big banks to specialty private lenders.

Strong Communication

As your application progresses, I'll keep you updated, and never 'go silent' on you.

Advice You Can Understand

You'll be informed of your options, without feeling overwhelmed.

Mortgage rates can be quite confusing. On the surface they seem so simple. You might even start thinking that all mortgages are pretty much the same, like milk or gasoline. But picking a mortgage is a lot like picking a house. There is no ‘best’ house, because the best one is the house that serves your goals. And trying to find the lowest priced house might not deliver what you want. In the same way, the goal for mortgages is to find the best combination of price and value, and that’s exactly my skillset.

If I can’t personally help you, I’ll do everything I can to put you in contact with the right people so you’re taken care of.

Fixed Variable
1 Year 2.69% -
2 Year 2.69% -
3 Year 2.69% 3.95%
4 Year 2.69% -
5 Year 2.59% 2.75%
HELOC - 4.45%


Nope! While I’m a Mortgage Broker in Victoria, I’m personally licensed to arrange mortgages in all of British Columbia. If you’re located outside of BC, we can still work together. My brokerage team is licensed in all provinces except Quebec. Contact me to learn more!

All mortgage brokers in BC are regulated by FICOM, the Financial Institutions Commission. To find my valid license, do a Google search for “FICOM broker search”, select the first result and type in my name — you’ll find me licensed under Verico Paragon MortgagePal.

Quite the opposite. In most cases my clients get better rates and lending terms than if they work through a bank or credit union directly.

The lenders pay me a commission based on the mortgage amount, but that does not negatively impact your rate.

Bottom line: you get access to more options, better rates and my unbiased advice. I earn a commission after the mortgage is arranged. Everybody wins!

Bank reps are just like you and me, they’re good people trying to do a good job. But the unfortunate fact is, they’re under a lot of pressure to sell.

Go to Google and type in “CBC marketplace bank sales goals” to see what I mean.

I’ve chosen to be a broker specifically so I don’t work for a bank. I work with banks, but I’m self-employed, and I build my business off referrals from people like you.

My motto is: if you’re happy, I’m happy, so I don’t use high pressure sales tactics. I might lose a couple dollars in the short term, but in the long run it’s a better way to do business.

When you’re my client, I’m going to treat you like family and work like crazy to make sure you walk into your home feeling good about how everything worked out.