John Huynh - Mortgage Broker

John Huynh - Mortgage Broker A mortgage broker to secure the best financing options for your real estate goals

09/02/2026

You're being responsible by paying the minimum amount on bills instead of skipping a payment. What you don't realize is your credit score is slowly decreasing because of high utilization.

It drops too much and your mortgage renewal doesn't come with options.

Sometimes refinancing early to improve cashflow and give you breathing room is what you actually need.

Need someone to talk to? Comment below and let's have a chat!

John Huynh
Mortgage Broker - Mortgage Architects
Lic # 602966
250-588-4101
[email protected]
www.mortgagehorse.com

09/02/2026

Bank of Canada holds rate. No change. Nothing new here, nothing to see. Just another day for you.

Contact me and get all your mortgage questions answered.

John Huynh
Mortgage Broker - Mortgage Architects
Lic # 602966
250-588-4101
[email protected]
www.mortgagehorse.com

09/01/2026

When you pay but don't get the information.

You're required to pay for appraisals but you don't get a copy of it. What you're paying for is a service, not a product.

You want the mortgage, you gotta do as the lender requires.

Any other questions?

Contact me and get all your mortgage questions answered.

John Huynh
Mortgage Broker - Mortgage Architects
Lic # 602966
250-588-4101
[email protected]
www.mortgagehorse.com

08/31/2026

Rate day panic is 90% noise. Comment RENEWAL and let me monitor your mortgage, renewal and rates.

Contact me and get all your mortgage questions answered.

John Huynh
Mortgage Broker - Mortgage Architects
Lic # 602966
250-588-4101
[email protected]
www.mortgagehorse.com

08/26/2026

Kids sports his $40 billion a year business now and is taking a toll on many families. You should be coming up with a budget and determining how much you should be spending on your kids sports.

You shouldn't be sacrificing your family's Financial health for kids sports when less than 1% make it professionally or receive a scholarship.

What do you think? Should you be spending everything you can on your kids sports?

08/25/2026

There are better things to do than to get distracted by the noise of what fixed rate mortgages are.

Mortgage and housing is always in the news, but just like most news, it should probably be ignored.

Unless you're looking to renew or refinance within the next 4 to 6 months, rates shouldn't matter that much to you. Rates are going to be what they are and you'll get offered what's available at the time.

In the meantime, tune out the noise and live your life.

08/21/2026

If you qualify as a first time home buyer, open a first home savings account (FHSA) even if you don't plan on buying a home.

You get a tax deduction, tax free or tax deferred growth. Depending on if you withdraw for your purchase home or roll it into an RRSP.

Everyone eligible should be opening this account.

Contact me and get all your mortgage questions answered.

John Huynh
Mortgage Broker - Mortgage Architects
Lic # 602966
250-588-4101
[email protected]
www.mortgagehorse.com

08/21/2026

As a mortgage broker and Smith Manoeuvre Certified Professional (SCMP), I don't tell you how to invest. I will show you what is possible with the right mortgage product.

Other Smith Manoeuvre Professionals can help you with financial planning and accounting. That's the perk of working with SCMPs. We're all on the same page working together to grow your wealth.

Interested in learning more?

Contact me and get all your mortgage questions answered.

John Huynh
Mortgage Broker - Mortgage Architects
Lic # 602966
250-588-4101
[email protected]
www.mortgagehorse.com

08/20/2026

You're probably not saving enough — and if you're in BC, the numbers are brutal. National average sits around 3-4% of disposable income. BC?

Recent data puts it at just 2.1%. Housing is eating the room where savings used to live. Budgeting apps won't fix a structural problem — the biggest line item needs to move first. 🧵 Part 2 coming with what actually works.

John Huynh
Mortgage Broker - Mortgage Architects
Lic # 602966
250-588-4101
[email protected]
www.mortgagehorse.com

Address

Victoria, BC

Telephone

+12505884101

Website

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