Fact or Fiction. The Biggest Mortgage Misconceptions of 2025

Down payment myths (what’s required vs. what people think is required) The real story on variable vs. fixed rates Refinancing misconceptions Mortgage insurance eligibility How the new 30-year amortization for first-time buyers has played out What the $1.5M insured mortgage limit means for buyers in Greater Victoria What to expect if you're buying, renewing, or refinancing in 2026 Whether you're planning a purchase, preparing for a renewal, or simply trying to make sense of this year’s mortgage changes, this episode cuts through the confusion so you can make confident, informed decisions heading into 2026.

📍 About the Greater Victoria Real Estate Show Hosted weekly by REALTORS® Jane Johnston & Andrew Plank, along with mortgage specialist Jen Lowe, the show breaks down real estate trends, lending updates, legal changes, and local Greater Victoria market conditions — all to help buyers, sellers, and homeowners stay educated and empowered.

Jane Johnston, REALTOR® | Briar Hill Group, RE/MAX Camosun 📧 [e-mail] 📱 250-744-0775 IG: @realtyteacher_remax_victoria YouTube: @JaneJohnstonRealtor

Jen Lowe, Mortgage Specialist 📧 [e-mail] 📱250-217-4925 IG: @jenlowemortgages

Andrew Plank, REALTOR® | Royal LePage Coast Capital 📧 [e-mail] 📱250-360-6106 IG: @andrewplank YouTube: @AndrewPlankRealtor