Jumbo Rate Cut by the Bank of Canada
October 23, 2024
Each Office Independently Owned & Operated
There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional. I have over a decade of experience in the financial services industry, previously having worked for 2 of Canada Major Banks being TD and RBC starting in 1996 before becoming a licensed mortgage broker since 2012. In my tenure as a licensed mortgage professional I am proud to have earned one of the highest DLC broker awards of acknowledgement being the Elite Hall of Fame Award based on successful funded mortgage transactions.
While a bank only offers the products from their particular institution, I have access to over 50 lenders including major banks, credit unions and other financial institutions, through DLC Modern Mortgage Group. I offer my clients more choice, and access to hundreds of mortgage products! As a result, you, as my client, benefit from the trust, confidence, and security of knowing you are getting the best mortgage for your needs.
My brokerage, DLC Modern Mortgage, is the largest DLC brokerage on Vancouver Island and consistently in the top 5 of British Columbia and top 15 in all of Canada! In this case size does matter as our power of size speaks to the concept of Economics of Scale ..... or simply put we have more negotiating power, product and rate access from our Mortgage Lenders than most other Canadian brokerages all to benefits you ensuring the best fit of mortgage product and rate to meet your financial goal. Don't know what your goals even are? Well I can help with that as well. My services and advice are free to you in most of my transactions.
On a personal note I am born and raised on Vancouver Island! This Rock as we call it. I have 2 kids that are growing up way too fast and have a huge love for animals. My daughter is extremely smart and doing very well in school and my son keeps me busy with his competitive lacrosse programs he is involved in. Yes I'm a LAX mom! If you too are a sports parent you know the commitment and vested time (and money) by both the player and the parent.
The largest purchase in a person’s lifetime is their home. Whether you are a first time home buyer, a home owner taking out equity for pleasure or investment or simply renewing your mortgage, I can provide you with professional unbiased advice to help in your mortgage decision making process.
Thank you Jen. You were amazingly helpful. We found you to be honest, clear, hard working, and well informed. You provided us with several plans that met our needs and explained the pros and cons of each one. We would definitly recommend you to anyone looking for a mortgage broker!
Tammy and Sara
It was our pleasure to start working with Jen Lowe in 2019 as we were starting our transition from Ontario to Victoria BC. Jen was extremely approachable and very knowledgably about all things related to mortgages, rates, and local financial institutions. She provided best option scenarios for us. She quickly secured a mortgage and line of credit for us that more than met our needs and made looking for our new home a pleasure. Jen is fun to work with and very understanding of stages of life situations and related financial needs. We are now happily settled in our new home and very appreciative of Jen’s assistance in getting us here. We would have no hesitation recommending Jen to anyone seeking to find the right mortgage for them.
Christiane and Holt
Hi Jen, A note of thanks for your support, advice, and service in our recent purchase and choice of mortgage. As someone used to a traditional mortgage with a big bank, you made the transition informed and easy to moving to a different lender. Your responsiveness to questions, advice, and proactive support made the process so much easier for us. I would and will recommend you to others.
Christina
Dinah and Rene
Dorina
Adam Ford
Nella
I still don’t quite believe everything is completed. Thank you so much for all of your help – the many phone calls to answer questions, a lot of research on your part and setting up my mortgage so quickly when we decided. You have been so kind and patient and added to that your knowledge of banking to mortgages make you a very skilled advisor.
E Knowles
I received this amazing nomination for Woman Unlimited Award in the category of ‘Awesome Mom’ from April Dorey, Financial Planner at Raymond James. Three words that best describe this woman you are nominating? Energetic! Caring! Sincere! Jen designed her career as an independent mortgage broker around being able to balance her duties as a mom while helping to provide for her family. She is actively involved in the everyday experiences of her two children and family in addition to successfully offering her professional service. Jen is highly energetic and thats lucky, because she not only works hard in her career, but for her family too!
Loyal Client
Jake & Adam
Loyal Client
B & T Halvorsen
John and I want to Thank you so much for all your help in making our ‘Dream Home’ a reality. Next year great things are happening and we are blessed and grateful to have this amazing opportunity. Big Hugs!
John and Linda
I approached Jen Lowe as she was referred to me from my realtor. My realtor told me Jen Lowe is amazing, me not knowing ANYTHING about real estate I can now confirm she really is! She helped me get approved for a mortgage when it was hard to do so. The result was POSITIVE–I got the mortgage and house I really wanted. One thing I really liked was her way to push back and the banks and fight against all odds to get it done fast. I found this experience very pleasant. I would recommend Jen to people who need a mortgage or re-mortgage. She finds the best rates and most important she is a great person to deal with, very helpful!
A Rodriguez
Jen offered to help secure a mortgage for me when my bank declined me in Feb 2017 which was just before taking a medical leave of absence from work to receive cancer treatments. Despite Jens efforts at the time we couldn’t find a lender while I was off work dealing with this illness. However in June my cancer treatment was successful and I returned to work. Jen continued her search on my behalf and just before 6 months passed she helped me secure an excellent mortgage. The wait was worth it! I would recommend Jen to anyone. She will get the job done and find the deal you need.
D Grinham
I was very apprehensive when I was hoping to purchase my first home. Its one of the biggest financial moves that most people make in their lives. Jen was amazing! She helped me understand exactly the ins and outs of obtaining my first mortgage. I will continue to work with Jen and recommend her strongly to anyone that is looking for an expert in obtaining a mortgage. Thank you Jen!
Tyler Keepence
You have no idea how much you have helped me offering the deposit financing. I didn’t know this was something that was available and am so thankful to you. This has given me peace of mind to know that I can pay my moving expenses and deposit for my new home before I receive the funds from the sale of my home. You are my angel Jen Thank you
S Talebi
When HSBC Found out I was moving my mortgage they tried very hard to entice me to stay by telling me all the dollars and time it would take etc to make the change. They of course wanted to know the reason why the move and it was simply that they were unable to give me what I wanted, even tried by offering a better interest rate but still not as good as the rate offered by Scotiabank. I thank you for all your hard work in facilitating this transaction and would recommend you to others if asked.
J Rausch
Nazila and Mandy
Just wanted to thank you for your time and counsel session yesterday. You are very good at what you do. I appreciate so much that my daughter has put her trust in you, and that she also extols your talents. As the senior around my family I like how you listened to both of us yesterday, and responded to each of our concerns and questions. You were attentive to my input as well, and came back to my reflections a few times. It is always dicey with family members when it comes to discussing money issues. Thank you again Jen.
Joanne DiCastri
Jen is one of the most thorough, honest and helpful brokers I’ve ever worked with. She presented me with options to keep me on budget and provided me with all the information I needed to know to make the right choice for purchasing my home. She knows the market and secured a rate prior to it going up, saving me thousands of dollars. I received thorough and prompt responses when I asked my crazy questions and she worked closely with my realtor, Ian Jules, to keep me feeling secure on my choice – she was a huge asset to me making the decision to purchase my home, on my own. Jen would be a great asset to anyone trying to get or secure the best mortgage! Thank you Jen, Tucker and I love our new home!
A. Boyd,Shawnigan Lake, BC
Jen was referred to us by our realtor and we couldn’t have been more happy with our mortgage experience! Jen provided us with expert knowledge, recommendations, exceptional service and great referrals to other services and professionals. We went through the entire home financing process online and over the phone without actually meeting Jen, which is the only unfortunate part of the experience.
K. Graham & M. Yu
You are way to good at what you do! It is refreshing to see someone go the extra mile!
A Phillips
My husband and I worked with Jenn earlier this year to obtain our mortgage. From the beginning of the process, it was clear that she is very knowledgeable. Jenn was always available to support us, answering our millions of questions, and helped us navigate a somewhat complex situation. She supported us through not only the stress of purchasing a house but also of including a renovation into the mortgage; the renovation portion of the mortgage is time sensitive through the approval and actual renovation completion stages. All in all, Jenn was great to work with. And she got us a great rate!!!!
J Cline
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