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 contact me.

Jennifer Harder

Dr. Erika Chin

Jennifer did an exceptional job arranging my mortgage. She responded so fast, got me an amazing rate and explained my options in a way that made sense. I'd 100% recommend her to anybody

Alida Hildebrand

We did our mortgage with Jennifer remotely, which was surprisingly smooth and easy. Jennifer was fantastic to work with. She is knowledgeable, gracious with questions and readily available. Her response time to emails and texts is fantastic. I would highly recommend her as a broker!

Kimia Hamidi

I was doing some fact finding and Jennifer went above and beyond for me. She got back to me immediately and connected me with all the right people. Even though I was just in the information stage the amount of work she put in truly impressed me. I cannot recommend Jennifer highly enough.

Hiking with my son in Victoria

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.

Frequently Asked Questions

Q. What does a mortgage broker do?

Just like how a Realtor helps you navigate the journey of finding a property, a mortgage broker helps you navigate the financial world of finding a mortgage. There are literally hundreds of lenders in Canada, but most Canadians can name only a handful. You might not realize, but there's a whole category of lenders that work exclusively through mortgage brokers. You can only access them via a mortgage broker, such as myself. My entire job is to connect with mortgage lenders, build relationships, then match their best offer with your situation.

Q. Can a mortgage broker get me a better rate on my mortgage?

Getting the best rate is a huge part of my job! As a broker I connect with big banks, credit unions, trust companies, mortgage-only lenders, private funds and more. Not only that, but I can help you avoid other surprise costs that you wouldn't normally realize exist, but will certainly have an impact on how much your mortgage costs you.

Q. Do you only work with mortgage clients in Victoria?

Nope! While I'm a Mortgage Broker in Victoria, my team is very active all across Canada, with BC, Alberta and Ontario being our largest markets. If you’re located outside of BC, we can still work together.

Q. How are Victoria mortgage brokers regulated?

All mortgage brokers in BC are regulated by the BCFSA (BC Financial Services Authority), formerly known as FICOM. To find my valid license, do a Google search for “BCFSA broker search”, select the first result. On the page select "sub-broker and type in my name (Jennifer Harder-Toews) you’ll find me licensed under Verico Paragon MortgagePal.

As a mortgage broker I'm regulated by the province. I need to take frequent upgrading courses to maintain my standing. In contrast, a bank rep doesn't have to get provincially licensed, so you never know what you're going to get.

Q. Are mortgage brokers regulated as strictly as banks?

Our regulation is much stricter than a bank mortgage representative. As a mortgage broker I'm regulated by the province. I needed to pass an exam, and I need to take ongoing courses to maintain my standing. In contrast, a bank rep doesn't have to get provincially licensed and they don't have to pass any sort of exams or prove that they've taken any mortgage education.

Q. Does it cost to work with a mortgage broker?

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 (typically about 0.5% to 1% of the total mortgage amount), but that does not negatively impact your rate. In some instances the lender doesn't pay a commission, in which case I'll need to charge a fee. That's rather uncommon and you'll know well ahead of time if that's the case.

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!

Q. Why shouldn't I just go work with my bank rep?

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 targets” 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, credit unions and mortgage-only lenders. But I’m self-employed, and I grow my business from referrals from people like you.

My motto is this: 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 with that approach, but in the long run it’s a better way to do business.