Moes Mortgages

Moes Mortgages A little bit of our independent advice could save you thousands, and it doesn't cost you anything.

Rate hold!
09/02/2026

Rate hold!

No cut. No hike. Another hold.The Bank of Canada has maintained its 2.25% policy rate, marking the seventh consecutive h...
09/02/2026

No cut. No hike. Another hold.

The Bank of Canada has maintained its 2.25% policy rate, marking the seventh consecutive hold. For anyone buying a home or approaching a mortgage renewal, the decision offers another reason to take a closer look at current financing options.

Message me to see how today’s rate decision fits into your mortgage plans.

Fixed or variable? There isn’t one rate type that’s right for every homeowner.A fixed mortgage can offer greater payment...
08/26/2026

Fixed or variable? There isn’t one rate type that’s right for every homeowner.

A fixed mortgage can offer greater payment predictability, while a variable mortgage may provide different flexibility and rate opportunities. The better fit depends on budget, goals, risk tolerance and plans for the years ahead.

Renewal approaching? Message me today to compare fixed and variable options before making the next move.

The path to homeownership can start long before you begin house hunting.Talking to me early gives us time to look at you...
08/19/2026

The path to homeownership can start long before you begin house hunting.

Talking to me early gives us time to look at your financial picture, discuss your mortgage options and identify steps that may help you prepare for when you’re ready to buy.

Thinking about buying a home? You don’t have to wait until you’re ready to make an offer. Let’s start the conversation today.

Mortgages come with a lot of moving parts, but understanding them doesn’t have to become your full-time job.From mortgag...
08/12/2026

Mortgages come with a lot of moving parts, but understanding them doesn’t have to become your full-time job.

From mortgage rates and terms to pre-approvals, lender requirements, renewals, refinancing, and everything in between, I’m here to explain the details, compare mortgage options, and help you understand what matters for your specific situation.

Whether you’re buying a home, renewing your mortgage, or refinancing, I can help make a complicated process feel a whole lot simpler.

Message me today to get the answers you need and explore mortgage options that fit your goals.

Saving for your first home? You don’t have to choose a strategy without understanding your options.I’ll help you compare...
08/05/2026

Saving for your first home? You don’t have to choose a strategy without understanding your options.

I’ll help you compare the First Home Savings Account (FHSA) and the Home Buyers’ Plan (HBP), explain how each program works, and determine whether one, or both, can help you build your down payment. Every first-time home buyer’s financial situation is different, so together we’ll create a savings strategy that aligns with your homeownership goals.

Message me today to find the best path toward buying your first home.

Mortgage renewal doesn’t have to feel overwhelming. Starting the process early gives us time to review your current mort...
07/29/2026

Mortgage renewal doesn’t have to feel overwhelming. Starting the process early gives us time to review your current mortgage, compare available options, and make sure your financing still supports your goals.

Whether you’re hoping for more flexibility, planning ahead, or simply curious about what’s available, I’ll help you understand your options so you can make an informed decision before renewal arrives.

Message me today to start planning your mortgage renewal.

What’s the difference between a mortgage pre-qualification and a pre-approval? A pre-qualification is a quick, informal ...
07/22/2026

What’s the difference between a mortgage pre-qualification and a pre-approval? A pre-qualification is a quick, informal estimate based on what you tell me, no documents or credit check involved. A pre-approval is the real thing: I verify your income, debts, and credit, so the number attached to it actually holds weight with sellers and agents when an offer comes in.

Walking into showings with the wrong one causes real problems. You might fall for a home that’s out of reach, or hesitate on one that isn’t.

Message me and I’ll tell you exactly which one you need before you start touring homes.

Rate hold yet again! 🎉
07/15/2026

Rate hold yet again! 🎉

The Bank of Canada has once again held its policy rate at 2.25%, continuing a period of stability.If you’re planning to ...
07/15/2026

The Bank of Canada has once again held its policy rate at 2.25%, continuing a period of stability.

If you’re planning to buy a home, coming up for renewal, or considering refinancing, this announcement is a good reminder to review your mortgage strategy. While the policy rate hasn’t changed, that doesn’t necessarily mean every lender or mortgage product will respond the same way. That’s why it’s important to understand how today’s announcement applies to your unique situation.

If you’d like to talk through what this rate hold means for your mortgage or your future plans, send me a message. I’d be happy to help you explore your options.

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#120/780 Fisgard Street
Victoria, BC

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