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Anna Price - Mortgage Advisor - TMG The Mortgage Group

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Victoria, BC
Anna Price - Mortgage Advisor - TMG The Mortgage Group

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Mortgage Professional in Victoria BC specializing in residential mortgages.

10/28/2026

When you are shopping for a home with a suite in Greater Victoria, the mortgage interest rate is only half the story.

If a lender uses Rental Add-back, your approval ceiling might stop well short of what you need. If that same scenario is placed with a lender using a Rental Offset policy, your application could be approved with room to spare.

This is why working with an independent mortgage broker matters. We know which lenders offer offset policies and how to structure your application so your suite works as hard for you as possible.

Thinking about purchasing a revenue property or a home with a mortgage helper? Let me run your numbers and find the right strategy for you.

Reach out directly at 778-747-0277 or book a quick chat through www.annaprice.ca.

10/19/2026

With rental offset, the lender applies an accepted amount of rent against specified property costs when calculating whether you qualify.

This can produce a different result from adding rent to your income.

It changes the qualifying calculation, not the mortgage payment you actually owe. The outcome depends on the lender’s rules and your situation.

Thinking about doing this math on your own? Let me run your numbers and find the right strategy for you.

Reach out directly at 778-747-0277 or book a quick chat through www.annaprice.ca.

10/15/2026

With rental add-back, the lender adds the amount of rental income they accept to the income used to qualify you.

The percentage can vary. In some qualifying owner-occupied, two-unit situations, up to 100% of the gross rent may be considered.

That does not mean every lender will use the full amount. The property, documentation and applicable lending guidelines still matter.

Thinking about purchasing a revenue property or a home with a mortgage helper? Let us run your numbers and find the right strategy for you.

Reach out directly through the calendar link above or connect through www.annaprice.ca

10/06/2026

If you are buying a home with a legal suite in Greater Victoria, you probably expect that rental income to boost your borrowing power right away.

Here is the catch: not every lender looks at suite income the same way. In fact, two lenders can look at the exact same rental suite and reach completely different conclusions about how much mortgage you can qualify for.

It usually comes down to two different calculation methods: Rental Add-back and Rental Offset.

Over the next few posts, we will break down how each one works and why finding the right lender fit can make a difference of tens of thousands of dollars in your buying budget.

Have questions about qualifying with a suite on Vancouver Island? Send me a message or visit www.annaprice.ca.

09/30/2026

Change is everywhere in the fall.

The weather changes. Our routines change. We trade sandals for boots, update our wardrobes, settle into new schedules, and sometimes even rethink the way we work and live.

Change can also be the catalyst for new surroundings.

Maybe you need a little more space. Maybe your work situation has changed. Maybe your family has grown, or you are simply ready for a home that better fits the life you are building.

Whatever is prompting the change, your next move starts with a conversation.

Thinking about buying, renewing, or refinancing this fall? Send me a message. I would be happy to help you make a plan.

09/25/2026

I’m so thrilled to be recognized in the top 20% of TMG mortgage brokers across Canada again for 2026.

Thank you to everyone who has supported me and my business this year, I wouldn’t be here without you! 🧡

09/25/2026

I’m so thrilled to be recognized in the top 20% of TMG mortgage brokers across Canada for 2026.

Thank you to everyone who has supported me and business this year, I wouldn’t be here without you! 🧡

09/24/2026

The eternal mortgage debate: fixed or variable?

The real answer never comes down to a guessing game about the Bank of Canada. It comes down to your sleep-at-night factor and your lifestyle.

A fixed rate gives you predictable payments and budget certainty for the length of your term. A variable rate can offer greater flexibility and lower penalties if you break your mortgage early, but your payments fluctuate with prime.

There is no one-size-fits-all answer. The right choice is the one that protects your cash flow and lets you breathe easily every month.

If you are trying to decide which structure makes sense for your budget, let's talk it through. Send me a message here, book a consultation in my bio or visit www.annaprice.ca.

09/15/2026

Kind words like these never get old.

When fellow real estate professionals choose you to handle their personal home purchase, it is the ultimate stamp of trust. My goal with every client is always the same: make the numbers clear, take away the stress, and make sure you feel completely confident from pre-approval to possession day.

Thank you so much for letting me be a part of your journey home.

⤵
Looking for a mortgage experience that feels clear, supportive, and straightforward? 📲Call 778-747-0277 or visit www.annaprice.ca to set up a chat.

09/01/2026

September always feels like a second January.

The kids are back in school, the calendar clears up, and suddenly you have headspace again.

It's a good time to ask: where does your money actually go? What are you working toward? What would it mean to own a home, refinance, or finally get a plan in place?

If your mortgage or finances have been sitting on the back burner, this is your nudge.

Let's use the reset.
📞 778-747-0277 | www.annaprice.ca

Address

420-737 Yates Street
Victoria, BC

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.annaprice.ca/

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