Business Details
20 Years
experience
Trusted Mortgage Brokers in Victoria, BC
Harmony Mortgage Group has been serving Canadian homeowners since 2006, providing access to over 230 lending institutions including major banks, credit unions, and trust companies. Our licensed mortgage professionals prioritize client needs over lender interests, offering unbiased advice and competitive rates tailored to individual financial situations. With expertise in first-time homebuyer programs, self-employed financing, and credit rehabilitation solutions, we ensure clients receive personalized mortgage products. Recognized nationally with multiple Canadian Mortgage Awards, including Mortgage Brokerage of the Year, our team combines industry excellence with a commitment to client education.We offer 24/7 availability and mobile services, bringing expert guidance directly to clients. Our rate-lock guarantees protect buyers during home searches, while specialized programs address diverse needs from investment properties to debt consolidation. As a PROFIT 200-ranked growth company, we maintain industry leadership through innovative solutions and comprehensive mortgage education resources.
Services
Home Purchase
Mortgage Renewal
Refinance
Credit Rehabilitation
Self-Employed Mortgages
Investment Properties
Debt Consolidation
Rate Lock Guarantees
Details
- Year established: 2006
Highlights and features
- We offer access to 230+ mortgage lenders nationwide
- Our team holds multiple national industry awards
- We provide 24/7 availability for client consultations
- We specialize in self-employed income verification solutions
- We guarantee rate-lock protection during home searches
Associations and certifications
- Canadian Association of Accredited Mortgage Professionals
- Genworth Financial Canada
Services
Home Purchase
Our licensed professionals guide first-time and experienced buyers through mortgage selection with access to 230+ lenders. We offer rate-lock guarantees during home searches and pre-approval processes that clarify purchasing power. Specialized programs address diverse needs including investment properties and vacation homes.
Mortgage Renewal
We analyze current mortgage terms against market offerings to secure improved rates and conditions. Our experts help clients transition from variable to fixed rates or consolidate debt through equity release. Renewal consultations include comprehensive comparisons of available lender products and payment structures.
Refinance
Our refinance solutions unlock home equity for debt consolidation, home improvements, or education expenses. We compare CHIP reverse mortgages with traditional options while ensuring clients understand total cost implications. Specialized calculators help determine optimal refinancing timelines and savings potential.
Self-Employed Mortgages
We specialize in verifying non-traditional income streams for self-employed applicants. Our programs accommodate fluctuating business revenues while demonstrating financial stability to lenders. Services include documentation preparation for tax returns, NOA verification, and cash flow analysis to secure competitive mortgage terms.
Credit Rehabilitation
Our credit specialists develop strategies to improve mortgage eligibility after financial challenges. We provide guidance on credit report corrections, debt management plans, and lender-specific requirements. Programs include high-ratio mortgage options and step-by-step pathways to conventional financing eligibility.
People
Carie Bissonnette
Mortgage Broker
Licensed mortgage broker with Dominion Lending Centres serving Victoria residents. Specializes in first-time homebuyer programs and self-employed income verification. Provides mobile consultations and 24/7 client support.
Questions
What mortgage rates are currently available?
Our current variable rate is 4.15% with prime at 4.70%. Term rates range from 3.94% for 3-year terms to 5.34% for 10-year terms. Rates vary by province and credit profile.
How does your mortgage pre-approval process work?
We verify income and credit history to determine purchasing power. Approved rates can be locked for 60-120 days while house hunting, with adjustments if rates drop during that period.
Do you offer financing for self-employed individuals?
Yes, we specialize in self-employed mortgage solutions. We help business owners document income through tax returns, NOA verification, and cash flow analysis to secure competitive rates.
What areas do you serve?
We operate nationwide across Canada with local expertise in Victoria and mobile services available for client consultations at convenient locations.
Are there options for debt consolidation through mortgages?
Yes, our refinance programs allow equity release for debt consolidation. We compare traditional mortgages with CHIP reverse mortgage options to find optimal solutions for reducing overall debt burdens.
