Helping Alberta families find the right mortgage the right way. Personalized advice, 50+ lenders, and zero broker fees to you.
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.
Banks, credit unions, and alternative lenders all competing for your mortgage.
Lenders pay my commission. Expert advice at zero cost to you.
Phone, text, email — evenings and weekends, not just 9-to-5.
Business education combined with real mortgage expertise you can trust.
From first-time buyers to seasoned investors. Click any service to learn more.
Lock in your rate for up to 120 days and shop with confidence.
Specialized guidance and government incentives for first-time buyers.
Don’t accept your bank’s offer — I’ll shop 50+ lenders to find you better.
Consolidate debt, access equity, or lower your monthly payment.
Buying your dream home with access to 50+ lenders for the best rate.
Use a line of credit for your down payment — stop renting today.
Grow your portfolio using rental income to qualify for more financing.
Receive a cash lump sum at closing to cover costs or renovations.
Finance renovations directly into your mortgage at low mortgage rates.
Access the equity in your home for investments, debt, or purchases.
Vacation homes, cabins, or helping your kids get into the market.
Borrow against your equity while keeping your existing first mortgage.
Alternative lending solutions when traditional lenders say no.
Refinance up to 95% of home value to buy out your partner.
Access your equity tax-free in retirement — no monthly payments needed.
Refinance and fund renovations in one single mortgage transaction.
Instant estimates for payments, affordability, closing costs, CMHC insurance, down payments, and refinance savings.
*For informational purposes only. Contact Mik for an exact quote.
*Based on GDS 39% / TDS 44%. Contact Mik for a full pre-approval.
*Break-even accounts for penalty. Contact Mik for a full analysis.
*Estimates only. Actual costs vary. Speak with Mik for a full breakdown.
*CMHC required when down payment is less than 20%.
*Does not account for RRSP Home Buyers’ Plan. Contact Mik to explore all options.
*Contact Mik for a full amortization schedule and strategies to pay off faster.
Stay informed with the latest mortgage news and strategies. Click any article to read the full story.
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