When banks say no, we say yes.

Harman Deol

Mortgage Consultant

With 13 years of mortgage and banking experience, I sure do have the right mortgage solution for you.

Whether you're buying, renewing or refinancing, get practical guidance through every step—without the jargon.

Apply online Call 604-758-0777
✓ One-on-one support✓ Secure online application
Harman Deol, Mortgage Consultant
Here to help you make an informed decision.
01
Free in Most CasesUsually the lender pays me, so it costs you nothing.
02
Expert GuidanceClear advice in plain language
03
Fast ApprovalQuick answers, no runaround
04
More Options Than Your BankOne application, many lenders compared

Best rates

Today's Best Mortgage Rates

TermRateDetails
5 Year Fixed4.64%Insured/Insurable
3 Year Fixed4.54%Insured
5 Year Variable (ARM)Prime minus 1.00%Based on prime 4.70% · Insured/Insurable

Current Prime Rate4.70%So the 5-year variable above is 3.70% (Prime − 1.00%)

Every situation is different — it's always worth discussing your options with Harman.

Rates updated: October 28, 2026

Rates are 'from' rates based on qualification and subject to change without notice. OAC. Your actual rate depends on your application — contact Harman for your exact rate.

Meet Harman

I spent 7 years in the banking world before becoming a broker — I know how the system works, and I speak the language. So your application gets put together right, and we chase the best rate out there for you.

Mortgage solutions for where you are now.

Different goals call for different financing strategies. Get focused guidance on the path that fits your plans.

Home purchases

Prepare for your purchase with a clear view of affordability, financing options and next steps.

Mortgage renewals

Review your current mortgage and compare the choices available before signing a renewal offer.

Refinancing

Explore whether restructuring your mortgage can support renovations, debt consolidation or other goals.

Investment properties

Work through financing considerations for a rental or investment purchase with a plan tailored to the deal.

Portrait of Harman Deol

Meet your mortgage consultant

Advice that starts with listening.

A mortgage is more than a rate. It's a decision that needs to work with your finances, your priorities and your plans ahead.

Harman takes the time to understand the whole picture, explain your options in plain language and help you choose a path with confidence.

Harman Deol
Mortgage Consultant

A straightforward way forward.

Start with a conversation or complete the secure application when you're ready.

Step 1

Understand your needs

We start with your goals, your timeline and what you can comfortably afford.

Step 2

Build your strategy

Together we map out the mortgage structure, term and payment plan that fits your life.

Step 3

Negotiate with lenders

I take your application to multiple lenders and negotiate for the right rate and terms.

Step 4

Future-proof your mortgage

Renewal reminders and regular check-ins, so your mortgage keeps working for you long after closing.

Pre-Approval Calculator

See what you could qualify for — in about 30 seconds.

Your numbers

Results update as you type. Use your best estimates — nothing is sent anywhere.

Before tax, all borrowers combined.
Default is our advertised 5-year variable rate.
First-time buyers qualify for extra savings and programs.
A newly built home can qualify at 30 years even with less than 20% down.
Lenders count 50% of strata fees in your ratios.
Car loans, credit cards, lines of credit, student loans.

Your estimate

Based on federal qualification rules (the stress test).

Maximum purchase price

$0

Down paymentYour custom amount
$0
Maximum mortgage amountIncluding any CMHC premium
$0
Estimated monthly paymentAt your contract rate
$0
Qualifying rate usedStress test: contract rate + 2%, minimum 5.25%
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CMHC insurance premiumAdded to the mortgage when down is under 20%
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Start my application Call Harman: 604-758-0777

Not quite the number you were hoping for? Don't walk away yet.

This calculator runs the standard bank qualification — but that's not the only path to your home. I work with a range of lenders and structuring options in addition to the big banks, and there's often a way to get you qualified for more than these numbers show.

Every situation is different. Let's find your way in — call Harman at 604-758-0777.

Call Harman: 604-758-0777

How qualification works

  • The stress testYou must qualify at the higher of your contract rate + 2% or 5.25% — that's the rate used to size your maximum mortgage.
  • GDS 39% · TDS 44%Housing costs (mortgage, tax, heat, half of strata) can't exceed 39% of gross income, and all debts together can't exceed 44%.
  • Minimum down payment5% on the first $500K, 10% on the portion up to $1.5M, and 20% at $1.5M or more. Under 20% down, a CMHC premium is added to the mortgage.
  • Amortization: 30 years requires 20%+ down or a new build. All other insured mortgages qualify at 25 years.

Just a friendly heads-up: this calculator gives you a rough idea of what you might qualify for — it's not a commitment to lend or financial advice. Real numbers depend on verified income, credit history, debts, the property itself, and current lender guidelines, which can change anytime. For figures you can actually count on, let's walk through your situation together — call Harman at 604-758-0777.

© 2026 Harman Deol · Deol Mortgages. All rights reserved.

Ready when you are

Start your mortgage application online.

Use the secure application portal to share your details at a time that works for you.

Open secure application

Let's talk

Have a mortgage question?

Reach out directly to discuss your plans or get help with the application.

Phone604-758-0777
EmailHarman@Deolmortgages.ca
Websitewww.deolmortgages.ca
Instagram@deol_realestate.n.mortgages
FacebookHarman Deol Real Estate and Mortgages
TikTok@deol_mortgages