Come in. Let’s find the mortgage that fits your home.
For Winnipeg families buying, moving up or renewing. I walk you through every option in plain words, with the real cost of each, before anything is signed.
Send your documents securely
What brings you here?
Choose your situation
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Your first home
I start with a budget you are comfortable with, then guide you from pre-approval to the day you get the keys, one clear step at a time.
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Moving up
Selling and buying at once? I plan the timing, any bridge financing and the down payment from your sale, and keep your realtor and lawyer informed.
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Renewing
I start four months before your term ends and compare your lender’s offer with the wider market, so you choose calmly and on time.
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Refinancing
I set the penalty and costs beside what you would gain, in writing, so you can see whether using your equity is worth it before you commit.
Fourteen years of opening the door to home.
A good mortgage should feel like coming home: nothing hidden, and every room explained.
I grew up in the North End and started in a credit union branch on Main Street before moving to brokerage, so I could work for borrowers rather than for one lender. Most of my clients come through a friend or a neighbour. I keep my files few, answer the same day, and explain each choice as if it were my own home.
- Title
- Mortgage Broker
- Brokerage
- Assiniboine Mortgage Partners Inc.
- Licence
- MB04127
- 14
- Years helping Winnipeg families
- Source: Broker’s own record, sample
- 500+
- Families helped home
- Source: Broker’s own records, sample
- 30+
- Lenders and credit unions compared
- Source: Broker’s lender list, sample
Calculator
What would the payment be?
Indicative, not a lender decision or a pre-approval. Fixed rate, compounded semi-annually; mortgage insurance and taxes not included.
An example rate. Enter the one you’ve been quoted.
Estimated monthly payment
$1,937
Mortgage amount $340,000
Which kind of mortgage fits you?
Choose a type to see how it behaves. Your broker will compare real offers for your situation.
The rate and the payment stay the same for the whole term.
- Your payment
- Stays the same for the term, often five years.
- If rates change
- Nothing changes until renewal.
- Breaking early
- The penalty is usually the greater of three months’ interest or an interest rate differential, which can be large.
- Suits you if
- You want a predictable budget and expect to keep the mortgage for the term.
The rate moves with the lender’s prime rate; the payment often stays the same.
- Your payment
- Usually fixed; more or less of it goes to principal as prime moves.
- If rates change
- Rising rates mean slower repayment, and payments can be reset if rates rise far enough.
- Breaking early
- The penalty is usually three months’ interest.
- Suits you if
- You can live with change, or may sell or refinance before the term ends.
Like variable, but the payment itself changes whenever prime changes.
- Your payment
- Goes up or down with the prime rate.
- If rates change
- You feel it in your next payment; your repayment schedule stays on track.
- Breaking early
- The penalty is usually three months’ interest.
- Suits you if
- Your budget has room to absorb payment changes.
A credit line secured by your home that you draw on and repay as you need.
- Your payment
- Can be interest only on what you have used.
- How much
- In Canada the revolving part is limited to 65% of the home’s value, and 80% together with a mortgage.
- The rate
- Usually prime plus a margin, so it moves with prime.
- Suits you if
- You want flexible access for renovations or investments and a plan to repay.
An open mortgage can be paid off anytime; a closed one costs less but limits prepayment.
- Open
- Repay any amount at any time without a penalty, at a higher rate.
- Closed
- A lower rate, with yearly prepayment limits set by the lender and a penalty to break.
- Often used
- Open for a short time before a sale or a lump sum; closed for most homeowners.
- Suits you if
- You know exactly when you will pay a large amount down.
General information, not advice. Terms differ between lenders.
What clients say
Elena made our first purchase feel manageable. Every question got a straight answer, and nothing surprised us at closing.
We sold and bought in the same month. Elena lined up the bridge loan before we listed, so the move was simple.
She started on our renewal months early and laid every option side by side. We never felt rushed.
Questions clients ask
Can’t I just sign my lender’s renewal letter?
You can, and sometimes it is the right choice. But the first offer is often not the only one. Comparing takes a few weeks if you start early.
How much do I need for a down payment?
At least 5% on the first $500,000 of the price and 10% on the part above it, up to $1.5 million. Under 20% down, the mortgage needs default insurance.
When should we first talk?
Before you start viewing homes, ideally. Knowing your budget early makes every later step calmer.
What do you charge?
On most residential mortgages there is no fee to you. If a file ever needs one, you will see it in writing before anything is signed.
Send your documents securely
Upload everything from your phone or computer. It goes straight to Elena’s secure document storage in Canada, with a checklist made for your situation.
- Tell us a little about you and your plans
- See exactly which documents your situation needs
- Upload them, and you’re done
Sample site: this opens a sample upload page in a new tab. On a live site, it opens the broker’s own.
- No account to create
- Works on your phone
- Stored in Canada
Start with a thirty-minute call
Tell me where you are and where you hope to be. I will tell you what to do first, and whether you need me at all.
- Phone
- 204-555-0163
