About Legacy Mortgage Group
Hi, I'm Harpreet — your mortgage guide in BC.
Engineer-trained. People-first. Clear mortgage guidance for real life.
About Legacy Mortgage Group
Engineer-trained. People-first. Clear mortgage guidance for real life.
Harpreet Sandhu, Mortgage Associate
Harpreet is a mortgage associate with an engineer's precision and an advisor's care. He specializes in turning complex mortgage details into clear, confident decisions for clients across the Lower Mainland and BC. Clients appreciate his calm, step-by-step approach, transparent communication, and commitment to service long after the keys are in hand.
Harpreet immigrated to Canada as a student and earned a Master's degree in Electrical and Computer Engineering from the University of Windsor. With a strong foundation in mathematics and a growing curiosity about finance, he transitioned into the mortgage industry in 2023. Today, he brings an engineer's precision and a teacher's clarity to every conversation—translating complex mortgage details into simple, confident decisions.
As a family man, Harpreet grounds his work in values that guide him daily: ethics, patience, and wise judgment. He believes the right advice is the advice that fits a person's real life—budget, timelines, and long-term goals included. His goal is straightforward: help clients succeed by guiding them through their home-financing options with care, transparency, and steady support from pre-approval to keys in hand—and well beyond.
Outside of work, Harpreet loves spending time with friends and family and playing with his young son. He's also endlessly curious. Whether it's learning something new, exploring creative ideas, or refining a better way to explain a concept, that curiosity shows up in how he serves clients every day.
Plain-language explanations and step-by-step plans.
Ethics and transparency over quick wins.
Math that fits real life—budgets, timelines, trade-offs.
Support after closing: renewal reminders and strategy tune-ups.
We clarify goals, timelines, and constraints.
We compare options and map a plan you can trust.
You get a clear budget and a rate hold (where applicable).
We coordinate documents, appraisals, and timelines with your team.
Post-close check-ins, renewal reminders, and ongoing advice.
Canada's OSFI B-20 stress test and GDS/TDS guidelines influence qualification, and lender policies vary. I'll explain how these apply to your situation.
Master's, Electrical & Computer Engineering
University of Windsor
Mortgage Associate
Legacy Mortgage Group
Ongoing CPD & Training
Lender guidelines and industry best practices
2017–2021
Engineering studies and projects, University of Windsor
2023
Transitioned to the mortgage industry; focused on client education and clarity
2024–Now
Serving clients across BC; refining a proactive, post-close support model
"Harpreet made the entire process clear and stress-free. Highly recommend!"
— S.K., Surrey
"His attention to detail and patient explanations gave us confidence every step of the way."
— M.P., Vancouver
"Professional, knowledgeable, and genuinely cares about finding the best solution."
— R.T., Burnaby
A mortgage associate works with multiple lenders, giving you access to a wider range of products, rates, and terms. Banks only offer their own products. Associates also provide personalized guidance through the entire process, often at no cost to you since lenders pay the commission.
Most pre-approvals are completed within 24-48 hours once we have your documents. The process involves reviewing your income, credit, and down payment to determine your maximum purchase price and secure a rate hold (typically 90-120 days).
Typically: 2 years of T4s or NOAs, recent pay stubs, 90 days of bank statements, photo ID, and proof of down payment. Self-employed clients need additional documentation like business financials and tax returns. I provide a detailed checklist tailored to your situation.
Canada's OSFI B-20 stress test requires you to qualify at a rate higher than your actual rate (typically the Bank of Canada's 5-year benchmark or your contract rate +2%, whichever is higher). This ensures you can handle rate increases. It affects your maximum purchase price but protects you from overextending.
Fixed rates offer payment stability and protection from rate increases. Variable rates typically start lower and can save money if rates drop, but payments can increase. Your choice depends on your risk tolerance, budget flexibility, and market outlook. We review both options with current scenarios.
Absolutely. I provide renewal reminders 4-6 months before your term ends, ongoing rate monitoring, and strategy check-ins for refinancing, HELOCs, or portfolio growth. My goal is to be your mortgage advisor for life, not just one transaction.
Mortgage solutions are subject to lender approval and applicant qualification. Rates and terms may change without notice and vary by product and borrower profile.
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Available Monday - Friday, 9am - 6pm PST