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Jeff Johnson

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Welcome! I'm Jeff Johnson, your trusted Canadian mortgage professional with a passion for helping clients secure the ideal financing since 1987. Based in the beautiful lower mainland of British Columbia, I believe in the power of personal connections and prefer meeting my clients face-to-face whenever possible.


Why Choose Me? - With over three decades in the industry, my experience is your advantage. I've navigated the ever-changing real estate market, providing clients like you with insights that go beyond simple mortgage transactions. I'm your lifelong mortgage advisor.


Personalized Service - I thrive on understanding your unique needs. By meeting in person, I ensure a personalized approach, answering all your questions and guiding you through a stress-free mortgage journey.


Your Comprehensive Partner - My goal is clear, to equip you with knowledge and confidence. I'm not just here for the transaction; I'm here to provide a comprehensive mortgage experience tailored to your goals.


Adding Value through Experience - Decades of experience mean I can anticipate challenges and spot opportunities, optimizing your mortgage process for maximum benefit.


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Whether you're a first-time homebuyer or you've purchased dozens of homes, I'm committed to turning your next property dreams into reality. Let's embark on this journey together.

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Mortgage articles to keep you informed.

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BC First-Time Buyer Property Transfer Tax Exemption: What Will You Still Owe?

By Jeff Johnson • October 28, 2026
Buying your first home in Surrey? See how BC’s property transfer tax exemption works, why some tax may remain, and how to budget for closing.

Bank of Canada Raises Rate to 2.5% — October 28, 2026

By Jeff Johnson • October 28, 2026
On October 28, 2026, the Bank of Canada raised its key interest rate by 0.25%, bringing it to 2.5%. If you have a mortgage, are shopping for a home, or have a renewal coming up, this decision matters. Here is a plain-language look at what changed, why it happened, and what it could mean for you.

How to Maximize Your Mortgage Renewal Opportunity

By Jeff Johnson • October 21, 2026
Your Lender Is Not Obligated to Renew Your Mortgage Many homeowners assume that if they’ve made every mortgage payment on time, their lender is automatically required to renew their mortgage at the end of the term. That’s a common belief—but it isn’t true. When you sign a mortgage, you’re agreeing to a contract for a specific term . Once that term ends, the lender has the legal right to either renew the mortgage or call the loan . There is no obligation to offer a renewal. In practice, most lenders do renew mortgages—but certain situations can prevent that from happening. Reasons a Lender May Decline to Renew A lender may choose not to renew if: Mortgage payments were missed during the term A bankruptcy or consumer proposal has occurred There is a separation or divorce Employment or income has changed A borrower on the mortgage has passed away The lender no longer prefers the property’s location or market The lender is no longer licensed to lend in Canada Even one of these factors can change how a lender views the risk. Why This Matters Because renewal is not guaranteed, waiting until the last minute can put you in a difficult position. Understanding this reality early gives you time and control. How to Protect Yourself at Renewal The best approach is to be proactive. Ideally, you should begin reviewing your options 120 days before your mortgage term ends . This gives you enough time to explore alternatives and make informed decisions—rather than reacting under pressure. Even if your current lender offers a renewal, that’s just one option , not automatically the best one. The lender that was right for you years ago may no longer offer the most competitive rate, terms, or flexibility today. The goal at renewal isn’t convenience—it’s reducing your total cost of borrowing and choosing terms that align with your current situation. Why Work With an Independent Mortgage Professional Working with an independent mortgage professional ensures someone is advocating for you , not the lender. Instead of being limited to one set of products, you can compare options across multiple lenders and choose the solution that best protects your interests. Final Thoughts Whether your lender is offering a renewal or not, the smartest move is to review all your options before signing anything. If your mortgage is coming up for renewal—or if you want to plan ahead—feel free to connect anytime. I’d be happy to help you protect your options and make a confident decision.