Cheryl Johns Your Trusted Mortgage Professional Victoria BC

Cheryl Johns Your Trusted Mortgage Professional Victoria BC Cheryl Johns is a Trusted Mortgage Broker, who works hard for her clients to find the best mortgage that suits your families needs.

A collateral charge mortgage is a type of mortgage registration that allows the lender to secure your mortgage for an am...
05/29/2026

A collateral charge mortgage is a type of mortgage registration that allows the lender to secure your mortgage for an amount that may be higher than what you actually borrow. In some cases it can be registered for up to 125 percent of your home’s value. This gives the lender the ability to offer you additional credit in the future without needing to fully re-register the mortgage.

This structure can be helpful if you plan to access equity down the road, but it can also limit your flexibility. If you want to switch to another lender at renewal, you may need to pay legal fees to discharge and re-register your mortgage somewhere else.

Knowing whether your mortgage is a standard charge or a collateral charge can make a big difference when planning ahead. If you are unsure which one you have or want to understand what works best for your situation, I can help you sort through the details.

Title insurance helps protect homeowners against certain ownership issues that may arise after closing. This can include...
05/27/2026

Title insurance helps protect homeowners against certain ownership issues that may arise after closing. This can include title defects, liens, or errors in public records. It is typically a one-time cost paid at purchase or refinance.

This is something I’m always happy to explain in more detail.

A tidy home = a clear mind! Try:Decluttering one area each week 🗂️Labeling storage bins 📦Digital filing for bills & docu...
05/22/2026

A tidy home = a clear mind! Try:

Decluttering one area each week 🗂️
Labeling storage bins 📦
Digital filing for bills & documents 💻

How do you keep your home organized without feeling overwhelmed?

When you work with a mortgage broker, they have a fiduciary duty, meaning their job is to act in your best interest firs...
05/20/2026

When you work with a mortgage broker, they have a fiduciary duty, meaning their job is to act in your best interest first. Here’s what that really means:

1️⃣ Personalized Advice 💡 – Brokers look at your unique situation, goals, and finances, rather than pushing one lender or product.

2️⃣ Transparent Guidance 📝 – They explain the pros and cons of each option, so you can make informed decisions.

3️⃣ Advocacy & Support 🤝 – Brokers negotiate on your behalf and make sure your mortgage process is as smooth as possible.

A broker’s fiduciary role is all about protecting you, saving you stress, and helping you make choices that truly fit your life, not just today, but for the long term.

If you’re curious about how this works and what it could mean for your mortgage decisions, let's chat. Understanding your options is the first step to confidence 🏡✨

Credit utilization plays a major role in mortgage approvals. Keeping your balances lower helps your score stay healthy. ...
05/15/2026

Credit utilization plays a major role in mortgage approvals. Keeping your balances lower helps your score stay healthy. It is like keeping your backpack light before a big hike.

I can help you understand how lenders see your credit picture, reach out today!

Your renewal is the perfect time to reassess your term. Shorter terms offer flexibility while longer terms bring stabili...
05/13/2026

Your renewal is the perfect time to reassess your term. Shorter terms offer flexibility while longer terms bring stability.

I help clients evaluate the benefits of each option based on their goals. Let’s choose a term that aligns with your future goals and budget.

Life changes... sometimes faster than we expect.Whether it’s welcoming a new baby, navigating a separation, or stepping ...
05/06/2026

Life changes... sometimes faster than we expect.

Whether it’s welcoming a new baby, navigating a separation, or stepping in to support aging parents, these moments often come with emotional and financial shifts. For some homeowners, refinancing can be one way to realign their mortgage with their new reality and create a little more stability during transition. It’s not a solution for every situation, but understanding your options can bring clarity and confidence.

Refinancing during a life change can sometimes help with adjusting payments, accessing equity for new needs, or restructuring debt to better fit your current priorities, all with different short- and long-term considerations.

If you’re in the middle of a transition or simply thinking ahead, I’m always here to walk through what your options might look like.

Rates held again today. The Bank of Canada kept its rate at 2.25%, with prime staying at 4.45%.At first glance, it feels...
04/29/2026

Rates held again today. The Bank of Canada kept its rate at 2.25%, with prime staying at 4.45%.

At first glance, it feels like nothing has changed. But a lot is shifting.

Inflation is creeping back up.
Jobs are still soft.
And global events are adding pressure behind the scenes.

So what does that mean for you?
Buying this spring? This could be your window to get a plan in place before competition picks up.

Renewing this year? You’re not alone. 2026 is a big year for renewals, and restructuring your mortgage could help ease the pressure on your monthly budget.

📌 If you’re on a variable-rate mortgage, an adjustable-rate mortgage, or have a line of credit, there is no change today.
📌 Fixed rates are moving separately and have been trending upward.

You don’t need to guess your next move. You just need a plan.

There is a lot of noise about tapping into home equity, but not every strategy lives up to the hype. I help homeowners f...
04/29/2026

There is a lot of noise about tapping into home equity, but not every strategy lives up to the hype. I help homeowners focus on proven, practical approaches that match their goals.

Real planning is about clarity, not trends.

Let’s talk about what truly works.

Tech can save energy and money:Smart thermostats 🌡️Energy-efficient lighting 💡Leak sensors & water monitors 💧Have you tr...
04/24/2026

Tech can save energy and money:

Smart thermostats 🌡️
Energy-efficient lighting 💡
Leak sensors & water monitors 💧

Have you tried any tech upgrades that made a difference in your bills?

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207-3135 Uptown Boulevard
Victoria, BC

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