Jen Lowe Mortgage Broker

Jen Lowe Mortgage Broker Please like my page to stay up to date. Please share it with those that may find it interesting.

With over a decade of experience in the financial services industry and more than 12 years as a licensed mortgage broker, I’ve earned the prestigious Elite Hall of Fame Award for successful funded mortgage transactions. I enjoy Facebook personally and for work--this mortgage broker site that I have created is to provide you a streamline of recent news articles, and current mortgage trends to keep

you in the know of what is happening in the mortgage industry. I will also from time to time put mortgage rate specials on this site as well!

09/02/2026

Greater Victoria Real Estate Market Update – September 2026

Is the Victoria real estate market finally settling into a more predictable rhythm?

This month, we’re looking at the latest Greater Victoria housing market numbers, including home sales, inventory, prices and what we’re seeing with buyers and sellers across Victoria, Saanich, Oak Bay and the Westshore.

Interest rates are holding steady, which is bringing a little more certainty to the market — but that doesn’t mean every property or price point is behaving the same way.

We’ll break down what’s selling, what’s sitting, where buyers have negotiating power and what sellers need to know as we head into the fall real estate market.

Whether you’re buying, selling or just keeping an eye on Victoria BC real estate, this is your September 2026 market update from the Greater Victoria Real Estate Show.

08/27/2026

A mortgage pre-approval should involve more than figuring out how much you might be able to borrow.

Jen () says one of the most important pieces happens behind the scenes: reviewing your income documents before you make an offer.

Depending on how you earn your income, your broker may need:

🔍 More than a current pay stub or employment letter
🔍 Additional income documentation
🔍 Multiple years of information to calculate an average

Getting that back-and-forth out of the way early can matter when you find the right home and suddenly have a tight financing timeline to work within.

Jen also explains how having access to multiple lenders can help when timing matters, since she knows which lenders may be able to move more quickly depending on the buyer’s circumstances.

There’s plenty more on navigating financing and multiple offers in this week’s Greater Victoria Real Estate Show. Watch the full episode on YouTube or listen wherever you get your podcasts.

Victoria Real Estate | Victoria BC | Mortgage Pre-Approval | Mortgage Broker | Home Buying | Greater Victoria

08/26/2026

# # Greater Victoria Real Estate Show | How Long Is a CMA Good For? + How to Find a Great REALTOR®

How long is a Comparative Market Analysis actually accurate — and when should you ask your REALTOR® to update it before making a real estate decision?

On this episode of the Greater Victoria Real Estate Show (GVRES), we look at how quickly property values can change and why a Comparative Market Analysis, or CMA, is really a snapshot of the market at a specific point in time. Changes in recent sales, new listings, price reductions, interest rates, inventory and buyer demand can all affect what a home may be worth today.

We also talk about one of the most important decisions a buyer or seller can make: how to find a great real estate agent. What should you look for in a REALTOR®? Does experience matter? Should you choose the agent with the biggest marketing presence, the highest suggested listing price, or the person who understands your neighbourhood, communicates well and can provide solid advice when negotiations get difficult?

Whether you're buying a home in Victoria, selling a property in Greater Victoria, considering a move to Vancouver Island, or simply trying to understand the current Victoria BC real estate market, this episode offers practical advice to help you make better real estate decisions.

The Greater Victoria Real Estate Show covers real estate throughout Victoria, Saanich, Oak Bay, Esquimalt, View Royal, Langford, Colwood, Metchosin, Sooke, Sidney, North Saanich and the surrounding communities of Southern Vancouver Island.

Topics in this episode include: Comparative Market Analysis (CMA), how long a CMA is accurate, determining home value, Victoria BC home prices, choosing a REALTOR®, finding the best real estate agent, interviewing a real estate agent, buying a home in Victoria BC, selling a home in Victoria BC, Greater Victoria real estate, Vancouver Island real estate and current real estate market conditions.

08/19/2026

You find a home you like, write an offer, and then suddenly hear there are other buyers at the table. How does a single-offer situation turn into multiple offers — and what should you do next?
On this episode of the Greater Victoria Real Estate Show, we break down how multiple-offer situations develop, what sellers and listing agents are required to communicate, and how buyers can respond without getting caught up in the emotion of competition.
We talk about offer timing, price, conditions, deposit, completion dates, and the other terms that can make an offer stronger — because the highest price isn’t always the offer that wins.
If you’re buying a home in Victoria, BC, Greater Victoria, or Vancouver Island, this episode will help you better understand the multiple-offer process and make more informed decisions when competition appears.

08/13/2026

Found something during the home inspection? Asking for a price reduction might seem straightforward... but there's another piece of the puzzle.

When a purchase price changes after an inspection, your mortgage lender may have questions. Depending on the reason for the reduction and the amount, it can affect how your file is reviewed.

That's why I always emphasizes communication. Keeping your mortgage broker in the loop helps ensure there are no surprises if the lender wants more information before closing.

It's one of those behind-the-scenes details buyers don't often think about, but it can make a big difference.

This is just one of the practical conversations from the latest Greater Victoria Real Estate Show. Watch the full episode on YouTube or listen wherever you get your podcasts.

Victoria Real Estate | Victoria BC | Home Inspections | Mortgage Advice | Home Buying | Greater Victoria

08/12/2026

Today Jane, Jen and Andrew are going to be discussing what happens when we have unexpected conditions demanded by the lender to be fulfilled either before condition removal or within a limited time period after possession.

08/06/2026

One of the biggest questions buyers ask is whether they should choose a fixed or variable mortgage rate. 📈

It's helpful to look beyond today's rates and understand how they've changed over time. Looking at the history of the Bank of Canada's rate changes can provide valuable context and help you understand how variable rates have fluctuated over the years.

It's also important to know what happens if rates increase. While variable-rate mortgages can change over time, there are thresholds, known as trigger rates, that may require borrowers to increase their payments.

This is just one piece of a much larger conversation. We dive deeper into fixed versus variable mortgages, rate history, and what buyers should consider in the latest episode of the Greater Victoria Real Estate Show.

Watch the full episode on YouTube or listen wherever you get your podcasts.

Victoria Real Estate | Victoria BC | Fixed vs Variable Mortgage | Mortgage Rates | Home Buying | Greater Victoria

08/05/2026

Greater Victoria Real Estate Market Update | July 2026 Sales, Prices & Buyer Opportunities

What is really happening in the Greater Victoria real estate market as we move through the summer of 2026?

In this month’s market update, Jane Johnston, Andrew Plank and Jen Lowe look beyond the headlines to explain where homes are selling, where activity has slowed and where buyers may now have greater negotiating power.

A total of 673 properties sold across the Victoria Real Estate Board region in July—just 1% fewer than July 2025—while active inventory rose 3.9% year over year to 3,847 listings. Detached-home sales increased by 4.1%, but condominium sales fell by 7.1% and townhouse sales declined by 15.5%.

We examine why detached homes in Langford and Colwood are holding up comparatively well, while prices have softened across much of the Victoria Core and in areas such as Sooke, View Royal, Saanich West, Metchosin and the Gulf Islands. We also discuss the opportunities developing in the condo market, where benchmark prices have declined in Victoria, Langford, Colwood, Oak Bay and Victoria West.

Townhouse sales have slowed, but prices remain relatively resilient—particularly in the Victoria Core—showing why Greater Victoria cannot be described as one single market. Different locations and property types are moving in very different directions.

For buyers, this episode identifies where more inventory, longer market times and declining prices may create opportunity. For sellers, we explain why preparation, presentation and accurate pricing are especially important in a balanced but highly selective market.

Join us every Tuesday at 9:30 a.m. for practical, independent discussion about buying, selling, financing and investing in Greater Victoria real estate.

Hosted by:
Jane Johnston, The Briar Hill Group at RE/MAX Camosun
Andrew Plank, The Vibe Collective at Royal LePage
Jen Lowe, Modern Mortgage Group, Dominion Lending Services

Learn more and subscribe to the Greater Victoria Real Estate Show for weekly market updates and advice for buyers and sellers.

07/29/2026

Are you considering a variable-rate mortgage or buying a home in Victoria, BC? In this episode of the Greater Victoria Real Estate Show, we explore two important topics for homebuyers, homeowners and sellers.

First, Jen explains how a fixed-payment variable-rate mortgage works. These mortgages can provide the budgeting certainty of a consistent payment while allowing borrowers to continue paying down their mortgage. We discuss what happens when interest rates rise or fall, how payment allocation can change and what borrowers should understand before selecting this type of mortgage.

We then look at what buyers can do when a home inspection uncovers deficiencies after an offer has been accepted. Should you ask the seller to complete repairs, negotiate a price reduction, request different terms, obtain additional inspections or proceed with the purchase as written? We discuss how the seriousness of the issue, the wording of the inspection condition, the strength of the market and the buyer’s comfort level can influence the strategy.

Whether you are buying, selling or financing a home in Greater Victoria, this episode offers practical guidance to help you make informed real estate decisions.

Subscribe to the Greater Victoria Real Estate Show for straightforward advice about Victoria real estate, mortgages, home inspections, market conditions and the home-buying process.

07/29/2026

Are you considering a variable-rate mortgage or buying a home in Victoria, BC? In this episode of the Greater Victoria Real Estate Show, we explore two important topics for homebuyers, homeowners and sellers.

First, Jen explains how a fixed-payment variable-rate mortgage works. These mortgages can provide the budgeting certainty of a consistent payment while allowing borrowers to continue paying down their mortgage. We discuss what happens when interest rates rise or fall, how payment allocation can change and what borrowers should understand before selecting this type of mortgage.

We then look at what buyers can do when a home inspection uncovers deficiencies after an offer has been accepted. Should you ask the seller to complete repairs, negotiate a price reduction, request different terms, obtain additional inspections or proceed with the purchase as written? We discuss how the seriousness of the issue, the wording of the inspection condition, the strength of the market and the buyer’s comfort level can influence the strategy.

Whether you are buying, selling or financing a home in Greater Victoria, this episode offers practical guidance to help you make informed real estate decisions.

Subscribe to the Greater Victoria Real Estate Show for straightforward advice about Victoria real estate, mortgages, home inspections, market conditions and the home-buying process.

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