Jodie Kristian - Mortgage Specialist

Jodie Kristian - Mortgage Specialist Jodie Kristian is a Mortgage Specialist with DLC Modern Mortgage Group in Victoria BC.

Graduating is a major milestone, but it doesn't necessarily mean you have to wait years before buying a home.Some lender...
09/04/2026

Graduating is a major milestone, but it doesn't necessarily mean you have to wait years before buying a home.

Some lenders will consider recent graduates, especially if you've secured stable employment and meet the qualification requirements.

Every situation is unique, so it's worth exploring your options sooner than you might expect.

Rates didn't change today, but the Bank of Canada's outlook is worth paying attention to.The Bank held its overnight rat...
09/02/2026

Rates didn't change today, but the Bank of Canada's outlook is worth paying attention to.

The Bank held its overnight rate at 2.25%, which means the prime lending rate remains at 4.45% for most lenders.

Canada's economy is showing stronger signs of recovery, with improving employment, consumer spending and housing activity. At the same time, higher energy prices and new tariffs are creating renewed inflation concerns.

For borrowers, the message is less about today's rate and more about planning ahead. With only two Bank of Canada decisions remaining this year, understanding your options matters more than trying to predict the next move.

If you're buying, renewing or refinancing, let's look at what today's market means for you.

Every lasting achievement begins with a single decision.Whether you're just starting to think about buying a home, plann...
08/31/2026

Every lasting achievement begins with a single decision.

Whether you're just starting to think about buying a home, planning a refinance, or preparing for your next move, today's small step can become tomorrow's opportunity.

The future has a way of growing from the choices we make today.

30km done and dusted. Marathon training getting real.
08/30/2026

30km done and dusted. Marathon training getting real.

As home prices continue to rise, more Canadians are choosing to buy with siblings, friends, or other trusted partners to...
08/28/2026

As home prices continue to rise, more Canadians are choosing to buy with siblings, friends, or other trusted partners to make homeownership more attainable.

While co-buying can help increase purchasing power and share costs, it's important to have the right ownership structure, financing, and legal agreements in place before moving forward.

Thinking about buying together? We can help you understand how lenders view co-borrowers and what mortgage options may be available.

Your home equity can be one of your most valuable financial tools, but there's more than one way to access it.Depending ...
08/26/2026

Your home equity can be one of your most valuable financial tools, but there's more than one way to access it.

Depending on your goals, a refinance, second mortgage, or restructuring your existing financing may each offer different advantages. The right solution depends on what you're trying to accomplish, whether that's consolidating debt, funding renovations, helping family, investing, or creating greater financial flexibility.

The key isn't simply accessing equity, it's choosing the strategy that supports your long-term financial goals.

Let's explore your options together and find the approach that makes the most sense for your situation.

📲 250-885-5738
📩 [email protected]

Big goals aren't achieved overnight, they're built through the small decisions we make every day.Saving for a down payme...
08/24/2026

Big goals aren't achieved overnight, they're built through the small decisions we make every day.

Saving for a down payment, improving your credit, reducing debt, or simply asking questions about your mortgage options are all steps toward the future you want.

Keep moving forward. Every step counts.

28km done and dusted - so thankful for the cooler temps this morning.
08/23/2026

28km done and dusted - so thankful for the cooler temps this morning.

Downsizing doesn't always mean starting over.If you're selling your current home and buying a smaller one, you may be ab...
08/21/2026

Downsizing doesn't always mean starting over.

If you're selling your current home and buying a smaller one, you may be able to port your existing mortgage to your new property while accessing some of the equity you've built along the way.

Depending on your lender and mortgage terms, this can help you maintain your current financing while creating additional flexibility for retirement, travel, home improvements, or other financial goals.

Every situation is unique, so it's worth exploring your options before you make a move.

Many people assume that qualifying for a mortgage comes down to one thing: income.In reality, lenders look at the bigger...
08/19/2026

Many people assume that qualifying for a mortgage comes down to one thing: income.

In reality, lenders look at the bigger picture. Your credit history, debt obligations, down payment, employment stability, available assets, and the type of property you're purchasing all play a role in the approval process.

That's why two people earning the same income can qualify for very different mortgage options.

Understanding the full picture, and knowing which lenders are the best fit, is where expert advice can make all the difference.

📲 250-885-5738
📩 [email protected]

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207-3531 Uptown Boulevard
Victoria, BC
V8Z0B9

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