Jill Holland, Mortgage Agent

Jill Holland, Mortgage Agent My services are free to residential customers and I am able to shop mortgage products from over 90 lending institutions including the major banks. Get Started:

Fixed, variable, or hybrid — which one should you pick?Here’s how Canadians chose this year:→ 70% went fixed → 26% went ...
08/19/2026

Fixed, variable, or hybrid — which one should you pick?
Here’s how Canadians chose this year:

→ 70% went fixed → 26% went variable (the most in three years) → 4% went hybrid

Quick version of what they mean:
Fixed — your payment stays exactly the same for the whole term. No surprises, easy to budget. But if rates drop, you don’t get the savings, and getting out early can be expensive.

Variable — your rate moves with the market. It usually starts lower, and you save right away if rates go down. But your payment can go up, so you need some wiggle room in your budget.

Hybrid — half fixed, half variable. You split the difference. Fewer lenders offer it and it’s harder to change later.

So which is better? Honestly, neither. It comes down to your situation — how long you’re staying in the home, whether you might sell or move, and how much a payment increase would actually hurt.

That’s not something a website can figure out for you.

Send me a message and I’ll run the real numbers for both, so you can see them side by side before you decide.

“Isn’t that the one where the bank takes your house?”No — and that’s exactly why I wanted to post about this. Reverse mo...
08/14/2026

“Isn’t that the one where the bank takes your house?”
No — and that’s exactly why I wanted to post about this. Reverse mortgages are probably the most misunderstood product in Canadian lending, so let’s clear a few things up 👇
If you’re 55 or older, a reverse mortgage lets you turn part of your home equity into tax-free cash — without selling, moving, or making monthly payments.
What’s actually true: • You keep title. You stay the registered owner and stay in your home. • You can access up to roughly 55% of your home’s value, tax-free. • It doesn’t affect your OAS or GIS. • Canadian lenders carry a No Negative Equity Guarantee — you or your estate never owe more than the home’s fair market value at sale. • The balance is repaid when you sell, move out, or pass away.
And the honest trade-off: because you’re not making payments, interest compounds and slowly reduces your equity. So borrow only what you need — and always compare it against a HELOC, a refinance, or downsizing first.
That comparison is the part I actually help with. Whether you’re weighing this for yourself or helping a parent think it through, send me a message — clear answers, no pressure, and no 1-800 number.
General information only, not advice for your specific situation. Let’s talk about your numbers.
📍 Golden, BC

08/12/2026

Fall closing? Now’s the time. ☀️
Here’s the thing nobody tells you: the best time to sort out your mortgage isn’t when you’re ready to move — it’s a few months before. Reaching out now means we can hold a rate, get your pre-approval sorted, and go into fall with a plan instead of a scramble.
Summer is quiet. Fall gets busy. Let’s use the head start.
Buying, renewing, or just curious where you stand — my DMs are open. No pressure, no jargon. 🏡
📍 Golden, BC

Reaching out now means we can hold a rate, get your pre-approval sorted, and go into fall with a plan instead of a scram...
08/10/2026

Reaching out now means we can hold a rate, get your pre-approval sorted, and go into fall with a plan instead of a scramble.
Summer is quiet. Fall gets busy. Let’s use the head start.
Buying, renewing, or just curious where you stand — my DMs are open. No pressure, no jargon. 🏡

08/07/2026

Hi, I’m Jill 👋 If we haven’t met yet, here are a few things about me:
🏔️ I live and work in Golden, BC — and I genuinely love helping people put down roots here.
📋 I’m a mortgage broker, which means I shop the whole market for you instead of offering one bank’s rate. And it costs you nothing — the lender pays me.

08/05/2026

I work for you — not the lender. Rather than one institution’s rate and one set of products, I access dozens of lenders and bring you the option that genuinely fits your situation. And because the lender compensates me, my advice comes at no cost to you.
Where I can help:
Purchase preparation — pre-qualification, rate holds, closing-cost projections, and a pre-approval that strengthens your offer.
Purchasing — first-time buyers, self-employed and commission-based income, newcomers to Canada, and family purchases with as little as 5% down.
Investment properties — from a first rental to a growing portfolio. Qualification guidelines vary considerably between lenders; I know where your application will succeed.
Renewals — rather than accepting your lender’s renewal offer, I can secure a rate up to 120 days early and review the wider market on your behalf.
Refinancing — consolidate higher-interest debt, access equity, restructure your payment, or align your mortgage with retirement planning.
Reverse mortgages — access home equity in retirement with impartial, properly explained advice.
If you’re unsure which of these applies to you, that’s precisely what an initial conversation is for. No obligation — just clear information and a realistic view of your options.
📍 Golden, BC | Dominion Lending Centres

So… what does a mortgage broker actually do?Short version: I work for you, not the bank. Instead of one lender’s rate, I...
08/04/2026

So… what does a mortgage broker actually do?
Short version: I work for you, not the bank. Instead of one lender’s rate, I shop dozens of them — and because the lender pays me, my advice costs you $0.
Here’s what I help with 👇
01 — Getting you ready to buy. Pre-qualification, a rate hold, closing-cost estimates, and a pre-approval letter your realtor will love.
02 — Purchasing. First-time buyers, self-employed, new to Canada, or buying for family with as little as 5% down.
03 — Investment properties. Your first rental or a growing portfolio. Qualifying rules vary by lender — I know who says yes.
04 — Renewals. Don’t just sign the bank’s letter. I can lock a rate up to 120 days early and shop the whole market.
05 — Refinancing. Consolidate high-interest debt, access your equity, lower your payment, or plan for retirement.
06 — Reverse mortgages. Unlock your home’s equity in retirement, with real advice instead of a 1-800 number.
Not sure where you fit? That’s exactly what a first chat is for. No pressure, no jargon — just a straight answer on what’s possible for you. 💬
📍 Golden, BC

Which one are you right now? 👇1️⃣ Saving for your first place 2️⃣ Self-employed and not sure you’ll qualify 3️⃣ Renewal ...
07/28/2026

Which one are you right now? 👇
1️⃣ Saving for your first place 2️⃣ Self-employed and not sure you’ll qualify 3️⃣ Renewal coming up this year 4️⃣ Eyeing an investment property 5️⃣ Wanting to tap into your home’s equity
Drop your number in the comments 👇 — there’s a smart next step for every single one, and no question is too small or too early. I read and reply to every comment (or slide into my DMs if you’d rather keep it private).
So… what’s your number? 🏡
📍 Golden, BC

Address

513 9th Avenue N. , Box 265
Golden, BC
V0A1H0

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

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