📞 587-987-6884 | ✉ mik@mikmortgages.ca | Serving All of Alberta
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⭐ Trusted Alberta Mortgage Broker

Your Path to the Perfect Mortgage Starts Here

Helping Alberta families find the right mortgage the right way. Personalized advice, 50+ lenders, and zero broker fees to you.

Mik Harvanka
50+
Lender Partners
5★
Google Rating
5★
Google Rating
50+
Lender Partners
24/7
Available For You
Mik Harvanka headshot
5★
Google Reviews
Mik Harvanka
About Mik
Your Dedicated Alberta Mortgage Broker

Welcome — I’m Mik Harvanka, BCom, a licensed Mortgage Broker with Mortgage Architects, proudly serving clients across all of Alberta. My mission is simple: find you the best mortgage product at the best rate, tailored to your unique situation.

Whether you’re a first-time buyer nervous about the process, a homeowner looking to renew at a better rate, or an investor growing your portfolio — I’m your advocate every step of the way.

I work with 50+ lenders to make them compete for your business. Unlike a bank, I have access to the entire market — and I use that to your advantage, at no cost to you.

🏢
50+ Lender Network

Banks, credit unions, and alternative lenders all competing for your mortgage.

💰
Free Service to You

Lenders pay my commission. Expert advice at zero cost to you.

📱
Always Available

Phone, text, email — evenings and weekends, not just 9-to-5.

🎓
BCom Educated

Business education combined with real mortgage expertise you can trust.

Alberta home Happy couple Modern house
What I Offer
Mortgage Solutions for Every Situation

From first-time buyers to seasoned investors. Click any service to learn more.

🏠

Pre-Approval

Lock in your rate for up to 120 days and shop with confidence.

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First Time Home Buyer

Specialized guidance and government incentives for first-time buyers.

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Mortgage Renewal

Don’t accept your bank’s offer — I’ll shop 50+ lenders to find you better.

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Refinance

Consolidate debt, access equity, or lower your monthly payment.

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House Purchase

Buying your dream home with access to 50+ lenders for the best rate.

💳

Flex Down Mortgage

Use a line of credit for your down payment — stop renting today.

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Rental Property Purchase

Grow your portfolio using rental income to qualify for more financing.

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Cash Back Mortgage

Receive a cash lump sum at closing to cover costs or renovations.

🔧

Purchase Plus Improvements

Finance renovations directly into your mortgage at low mortgage rates.

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Equity Take Out

Access the equity in your home for investments, debt, or purchases.

🌅

2nd Home Mortgage

Vacation homes, cabins, or helping your kids get into the market.

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2nd Mortgages

Borrow against your equity while keeping your existing first mortgage.

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Private Mortgage

Alternative lending solutions when traditional lenders say no.

👥

Spousal Separation

Refinance up to 95% of home value to buy out your partner.

🌞

Reverse Mortgage (CHIP)

Access your equity tax-free in retirement — no monthly payments needed.

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Refinance Plus Improvements

Refinance and fund renovations in one single mortgage transaction.

Mortgage Tools
Free Mortgage Calculators

Instant estimates for payments, affordability, closing costs, CMHC insurance, down payments, and refinance savings.

📊 Mortgage Breakdown

Payment
Mortgage Amount
Down Payment %
CMHC Insurance
Total Interest Paid
Total Paid

*For informational purposes only. Contact Mik for an exact quote.

Car, student loans, credit cards

🏠 Your Affordability

Max Home Price
Max Mortgage
Monthly Payment
GDS Ratio
TDS Ratio

*Based on GDS 39% / TDS 44%. Contact Mik for a full pre-approval.

Check your mortgage statement

💰 Refinance Savings

Current Payment
New Payment
Monthly Savings
Break-Even (months)
5-Year Net Savings

*Break-even accounts for penalty. Contact Mik for a full analysis.

📋 Estimated Closing Costs

Total Closing Costs
Land Transfer Tax
Legal Fees (est.)
Title Insurance
Home Inspection
Moving Costs (est.)

*Estimates only. Actual costs vary. Speak with Mik for a full breakdown.

🛡 CMHC Insurance

CMHC Premium
Down Payment %
Insurance Rate
Mortgage + CMHC
Est. Monthly Payment

*CMHC required when down payment is less than 20%.

💵 Down Payment Planner

Minimum Down (5%)
10% Down Payment
20% (No CMHC)
Months to 5%
Months to 20%

*Does not account for RRSP Home Buyers’ Plan. Contact Mik to explore all options.

See how extra payments save interest

📈 Amortization Summary

Monthly Payment
Total Interest
Total Paid
Payoff with Extra
Interest Saved

*Contact Mik for a full amortization schedule and strategies to pay off faster.

News & Articles
Mortgage Tips & Insights

Stay informed with the latest mortgage news and strategies. Click any article to read the full story.

App
My Mortgage Planner App is Here!
Making it easier to navigate the Canadian mortgage landscape with tools right at your fingertips.
Read Full Article →
Buying
Advantages of a Pre-Approval
Getting pre-approved locks in your rate and clarifies your exact budget before you start shopping.
Read Full Article →
Rates
Should You Go Fixed or Variable?
Your rate matters — but your mortgage is so much more than just a number.
Read Full Article →
Buying
Purchase Plus Home Improvements
Finance renovation costs directly into your mortgage and turn a fixer-upper into your dream home.
Read Full Article →
Refinancing
Refinancing: What You Should Know
Refinancing lets you renegotiate your mortgage to better suit your current financial needs.
Read Full Article →
Retirement
Reverse Mortgages and What to Know
For Canadians facing high debt in retirement, a reverse mortgage can provide real financial relief.
Read Full Article →
Rates
Fixed vs. Variable Rate Mortgages
A clear breakdown of the differences and how to choose the right mortgage type for your situation.
Read Full Article →
Broker Tips
What Your Banker Won’t Tell You
Banks only offer their own products — your broker has access to hundreds of lending institutions.
Read Full Article →
First-Time Buyers
How to Leverage Your RRSPs to Buy Your First Home
First-time buyers can withdraw up to $35,000 from their RRSPs for a down payment.
Read Full Article →
Client Reviews
What Alberta Clients Are Saying

14 reviews  —  5.0 ★ on Google

★★★★★ Leave a Google Review →
★★★★★

"Working with Mikulas H has been nothing short of exceptional. He helped us get our mortgage approved and made what could have been a stressful experience feel absolutely seamless. Mikulas worked incredibly quickly and efficiently, always staying honest and transparent. It truly felt like he was invested in helping us achieve the best possible outcome. We couldn’t have asked for a better broker — he exceeded our expectations in every way."

ST
Shagun Tungal
Alberta · 3 months ago
★★★★★

"I can’t recommend Mikulas Harvanka highly enough! From start to finish, he made the entire mortgage process smooth, stress-free, and incredibly efficient. His knowledge of the market and attention to detail gave me complete confidence. Thanks to Mikulas, we are now happily settled in our new home. If you’re looking for a mortgage broker who goes above and beyond, this is the one!"

RP
Raquel Pacheco
Alberta · 10 months ago
★★★★★

"I had a fantastic experience working with Miki. He was knowledgeable, responsive, and guided me through each step of the process with clarity and patience. He helped me secure a great rate and made the entire experience stress free. Highly recommend."

JB
Jayden Bogdane
Alberta · 4 months ago
★★★★★

"I had a really good experience working with Mikulas. He was friendly, responsive, and took the time to explain everything clearly which made the whole process much easier. He was also able to find me the best rates compared to what I was seeing from others and he genuinely cared about getting me the best deal. I would definitely recommend him."

IS
Ibrahim Smayli
Alberta · 5 days ago
★★★★★

"I had a fantastic experience working with my mortgage broker. He helped me negotiate a great renewal rate and made the entire process smooth and stress-free. He’s professional, easygoing, and incredibly knowledgeable. What really stood out was his communication — clear, timely, and always willing to explain things in a way that made sense. Highly recommend!"

TM
Tim
Alberta · 5 days ago
★★★★★

"We had an exceptional experience working with Mikulas. He was very knowledgeable, responsive and incredibly supportive throughout the entire mortgage process. Whether it was answering our endless questions or explaining the fine details — he was always there for us."

LI
Lenka Izakovicova
Alberta · 5 months ago
★★★★★

"Mikulas got me approved for an incredible rate for my first home while also teaching me along the way. I learned so much about mortgages and buying homes throughout the whole process. Will gladly be going to him when it comes time for renewal."

JK
Jack
Alberta · 7 months ago
★★★★★

"We’re so glad we had Mikulas as our mortgage broker. Buying a home can feel overwhelming, but he made the whole process so much easier. He was professional, quick to respond, and always took the time to explain things in a way we could understand. We really felt like he had our best interests at heart."

NB
Noah Braz
Alberta · 6 months ago
★★★★★

"I recently worked with Mikulas Harvanka for the renewal of my mortgage, and the experience was excellent from start to finish. He made the process smooth and stress-free, providing clear guidance and answering all my questions promptly. His knowledge of the market helped me secure a great rate. I highly recommend Mikulas to anyone looking for reliable and professional mortgage advice."

VK
Veronica K.
Alberta · 7 months ago
★★★★★

"It was my pleasure to work with Mikulas. Miki has helped me with my first home in Canada. He was focused on my request and requirement. I highly recommend Miki to everyone, not just my friends."

MD
Monika Danišová
Alberta · 9 months ago
★★★★★

"Miki is a very educated mortgage broker and very focused on the client. He helped me with my mortgage — my case was a little difficult but he made my dream work for me! I highly recommend Miki as a mortgage broker for everyone if you want to buy property as your new home or as an investment."

MD
Milan Dubinsky
Alberta · 10 months ago
★★★★★

"I recently worked with Mikulas on securing a mortgage for my new home, and I couldn’t be more satisfied with the experience. From start to finish he was professional and knowledgeable. Highly recommend. Thanks again!"

ML
Marek Lechman
Alberta · 10 months ago

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Get In Touch
Let’s Find Your Perfect Mortgage

Fill out the form and I’ll respond within a few hours. Or reach me directly — evenings and weekends welcome.

📞
Phone / Text
📍
Location
Serving All of Alberta
🕐
Hours
Flexible — Evenings & Weekends Welcome

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