Nancy Tychowski Mortgage Consultant.

10/31/2026

There's no wrong season to start looking in Victoria — but fall is a good one. Less competition than spring, and sellers listing now are usually serious. Whether you're eyeing a condo downtown or a home with a yard in Langford or Saanich, getting your financing sorted before you fall in love with a place keeps everything calm. Thinking about a move on the Island? DM me and we'll walk through your options together. This is general information only, not advice for your specific mortgage, and lender requirements can vary. DM Nancy Tychowski | 604.379.4548 | [email protected] | www.mortgagesbynancy.ca

10/29/2026

Thinking of buying a home in BC? Here is how the timeline usually flows, and where the financing fits in.

1) Preapproval — you find out your price range and get your paperwork in early, so you are ready when the right place shows up.
2) House hunting and an accepted offer — your offer usually includes subjects like financing and inspection, with dates attached.
3) Final financing approval — your lender reviews the property, your income, and your documents. This is the step where missing paperwork slows everything down.
4) Appraisal and subject removal — the lender may order an appraisal, and your subjects come off once everything checks out.
5) Lawyer or notary, then closing day — you sign, funds move, and keys change hands.

Every deal moves a little differently, and timelines vary by lender. If you are thinking of buying and want a calm walkthrough of where you are in the process, DM me and we will go through it together.

This is general information only, not advice for your specific mortgage, and lender requirements can vary. DM Nancy Tychowski | 604.379.4548 | [email protected] | www.mortgagesbynancy.ca

10/29/2026

Renewal coming up? Do not just sign what arrives in the mail. Before you renew, it is worth checking three things: when your term actually ends, what the penalty and prepayment terms look like if your plans change, and whether the payment and term still fit your life. A renewal is a chance to review — not a rush decision on one letter. If your renewal is coming up and you want a calm second look, DM me and we will go through your situation together. This is general information only, not advice for your specific mortgage, and lender requirements can vary. DM Nancy Tychowski | 604.379.4548 | [email protected] | www.mortgagesbynancy.ca

10/28/2026

Bank of Canada announcement — today, October 28: The Bank raised its policy rate by 0.25% to 2.5%. Here is the calm version: variable rates and HELOCs usually follow prime, while fixed rates are set differently and do not move in lockstep. Your own rate depends on your mortgage, term, and lender. If you have a variable mortgage, a HELOC, or a renewal coming up, do not make a rushed move on one headline — DM me and we will look at your situation together. This is general information only, not advice for your specific mortgage, and lender requirements can vary. DM Nancy Tychowski | 604.379.4548 | [email protected] | www.mortgagesbynancy.ca

10/27/2026

Getting ready to buy in BC? Lenders usually ask for these 5 things — save this so you are not scrambling later. 1) ID + addresses for the past 3 years. 2) Income + employment: pay stubs, employment letter, T4s/NOAs (self-employed: tax returns + business financials too). 3) Down payment + savings: about 90 days of statements and proof of source. 4) Debts: loans, credit cards, car payments, support obligations. 5) Your purchase plan: price range, area, property type. Missing one? DM me — there is usually a workaround. A preapproval is not a final approval and lender requirements can vary. DM Nancy Tychowski | 604.379.4548 | [email protected] | www.mortgagesbynancy.ca

08/26/2026

Thank you so much for such a thoughtful and heartfelt review! Your kind words truly mean a lot to me. ❤️

For me, this business has always been about more than just mortgages—it’s about building relationships, helping people feel comfortable and informed, and being there to support them through such an important decision in their lives.

I’m incredibly grateful for your trust, your support, and especially for taking the time to share this. Thank you again! 🏡❤️

08/18/2026

⭐️⭐️⭐️⭐️⭐️

There’s nothing better than hearing that a client felt supported throughout their mortgage journey. ❤️

Getting a mortgage can feel overwhelming—there are rates, documents, lender requirements, deadlines, and a lot of decisions along the way. My goal is to make the process easier to understand and make sure my clients know exactly what to expect from beginning to end.

Thank you, M.A., for trusting me with such an important milestone and for taking the time to leave this wonderful review. It truly means so much to me. 🏡

Thinking about buying a home, renewing your mortgage, refinancing, or simply wondering what you qualify for?

📩 Send me a DM. I’d be happy to go through your options with you—no pressure, just answers.

Nancy Tychowski | Mortgage Broker
Serving Victoria, Vancouver Island & clients throughout BC

06/03/2026

05/27/2026

Quick correction from my reel yesterday 👇

I mentioned that to purchase a $750,000 home with 20% down, you would need a household income of approximately $155,780.

After reviewing the numbers again, the correct estimated qualifying income is actually closer to $135,446 with 20% down.

Keep in mind, these numbers are still estimates and can vary depending on:
• your debt payments
• property taxes
• heating costs
• strata fees (if applicable)
• interest rates
• and your overall financial profile.

This is why it’s always important to run personalized numbers before starting your home search. 🏡”

You could also add a short on-screen text hook:

“Mortgage Broker Correction 🚨
$750K purchase price with 20% down = approx. $135K household income, not $155K.”

“Want to know what YOU qualify for? Send me a DM.”

05/02/2026

It’s always nice to get reviews like this! ❤️