The Journal

Mortgage insights for BC homeowners.

Practical guides on renewals, refinancing, and alternative lending — written by brokers who work with these products every day.

Market InsightsMarch 28, 2026

Your home equity access isn't guaranteed. Here's what's changing

Some lenders are quietly reducing home equity lines of credit limits. Here's what's driving it, what it means for homeowners, and what to do before you need access to your equity.

Alternative LendingMarch 25, 2026

Your credit score doesn't define your mortgage options

Divorce, illness, or business loss can damage your credit — but it doesn't have to stop you from owning a home. Here's how mortgage options actually work after a financial setback.

Alternative LendingMarch 22, 2026

Self-employed? Why the bank said no — and what to do next

Your accountant did their job. The bank's formula just doesn't fit. Here's how self-employed borrowers in BC actually qualify for a mortgage.

RenewalMarch 20, 2026

Understanding mortgage renewal options in BC

Your renewal letter isn't your only option. Learn when to start shopping, what to watch for, and how a mortgage broker can save you thousands on your next term.