John Huynh - Mortgage Broker

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Victoria, BC
John Huynh - Mortgage Broker

A mortgage broker to secure the best financing options for your real estate goals

02/06/2026

Groceries up. Taxes up. Insurance up.
Your wealth? It doesn’t have to stay down.
Ask me about the Smith Manoeuvre.

This strategy is great for wealth building and should be considered in your financial plan.

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

02/04/2026

The #1 Smith Manoeuvre Mistake (That Can Kill Tax Deductibility)

The biggest mistake people make with the Smith Manoeuvre
is commingling funds.

Using your HELOC for:
– investments
– personal expenses
– renovations
– random transfers

…all from the same account can make the interest partially or fully non-deductible.

The Smith Manoeuvre only works when:
✔ Borrowed funds are used solely for income-producing investments
✔ Accounts are kept clean and separate
✔ Tracking is done properly from day one

This is why setup matters more than the strategy itself.

If you’re thinking about the Smith Manoeuvre — or already using a HELOC to invest — this is something you want to get right before CRA ever asks 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

02/03/2026

Renewing your mortgage in 2026?
Now is the time to plan — not when your bank sends you a renewal letter.

Early planning gives you more than just a better rate.
It gives you options:
• The right mortgage structure
• Flexibility for future moves or investing
• Fewer surprises when renewal time actually arrives

Waiting until the last minute usually means defaulting to whatever your lender offers — and that can cost you over the next 5 years.

If your mortgage is up in 2026, let’s take a look at it now and make sure you’re set up properly long before renewal time.

DM me if 2026 is your year.

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

02/02/2026

The Smith Manoeuvre can be an incredible wealth-building strategy…
but only when it fits the person using it.

This isn’t about hype or shortcuts.
It’s about structure, discipline, and long-term ex*****on.

If you:
• Lose sleep over market swings
• Have unstable income
• Want fast results

This probably isn’t for you — and that’s okay.

If you want to see whether it does fit your situation, DM me “SM” or book a call.
The goal is clarity, not pressure.

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

01/28/2026

For decades, many people are told the same thing.
Just downsize in retirement and you will be fine.

The reality is that downsizing does not always free up as much money as expected. Smaller homes can be just as expensive, moving costs add up, and lifestyle or health changes can limit your choices. Taxes and income planning can also impact how much equity you can actually use.

That is why retirement planning works best when it is done before you need it and with the right team in place.

If downsizing is part of your plan, or you are not sure it will work the way you expect, let’s talk about your options and how working with a mortgage broker, financial planner, and accountant can help you plan with confidence.

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

01/26/2026

I'm sharing the numbers from my personal investment journey.

This is not a shortcut and it is not for everyone. It involves leverage, market risk, interest rate risk, and requires discipline and proper structure.

The purpose of sharing this publicly is transparency.
To show how mortgage payments, home equity, and investing can be coordinated over time when planned carefully.

This is not advice or a recommendation.
It is one real example with real numbers.

If you are curious how your mortgage fits into your long-term plan, that is a conversation worth having with a mortgage broker and financial planner.

Follow along for regular updates to see how this works over time.

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

01/22/2026

If you are incorporated, qualifying for a mortgage is not as simple as showing strong business profits.

Lenders focus on how you pay yourself, what shows up on your personal tax return, and the consistency of that income over time. Retained earnings inside the corporation usually do not count, which is why many incorporated business owners are caught off guard.

With the right planning and the right team, there are often more options than people realize.

If you are incorporated and thinking about buying, refinancing, or renewing, let’s talk about how to structure your income and mortgage strategy so it works for both your business and your long term plans.

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

01/19/2026

Ever get a “no” from the bank and feel like they barely asked about your situation? That’s common—and it’s usually because no one took the time to truly understand you. My career before mortgage brokering was all about asking questions, understanding different cultural backgrounds, and learning the real story behind.

When you ask the right questions, new opportunities show up.

If you’re tired of hearing no, get in touch. Ask anything, get answers, and let’s see if we can find a solution that works for you.

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

01/14/2026

Paying off your mortgage is an important goal, but it should not be the only one.

I often see homeowners put every extra dollar into their mortgage while putting saving and investing on hold. The problem is that time matters. When you delay investing, you lose years of compounding that you cannot get back, even if you have a pension.

A strong financial plan balances mortgage payoff, saving, and investing so each part supports the others.

If you want to see how you can reduce your mortgage faster while still building long term wealth, let’s talk.

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

01/12/2026

Many homeowners assume their only option is to pay down the mortgage, wait, and invest later.

But there are ways to be more intentional with home equity if the structure, cash flow, and risk tolerance are right.

This is how I am personally aligning my mortgage and investing strategy.
Not a recommendation and not for everyone.
Just one example of how planning can change outcomes.

If you have ever wondered whether your mortgage could be working alongside your long-term goals, let’s talk it through with a mortgage broker and financial planner.

No pressure. Just clarity.

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

01/08/2026

Self employed income gives you flexibility, but it also changes how lenders look at your mortgage application.

Many business owners are surprised to learn that qualifying is based on reported income, not gross revenue, and that tax deductions can directly affect borrowing power. The good news is that there are multiple ways to qualify when the strategy is set up properly.

If you are self employed and thinking about buying, refinancing, or renewing, planning ahead and working with the right mortgage broker can make a significant difference. Reach out if you want to review your options and avoid surprises.

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

01/05/2026

Always be working! If you have questions about a live file, you shouldn’t be waiting days for answers. If your bank makes you book an appointment just to get clarity—or you’re not getting responses at all—it’s time to reach out. I’m not tied to a rigid schedule, so your calls and emails get answered when you need support. And even if there’s no update, I’ll let you know—because removing the stress of wondering if anything happened is just as important as the update itself.

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

Address

Victoria, BC

Telephone

+12505884101

Website

http://www.mortgagehorse.com/

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