Business Details
Your Trusted Mortgage Broker in Winnipeg
As a dedicated mortgage professional with access to over 50 lending institutions, I specialize in crafting customized mortgage solutions tailored to individual client needs. My services span first-time home purchases, refinancing, investment properties, and specialized programs for self-employed individuals and newcomers to Canada. With a focus on transparency and client education, I prioritize securing competitive rates while demystifying the mortgage process.My commitment to personalized service is evidenced by a track record of client testimonials highlighting exceptional attention to detail and successful outcomes. Leveraging technology-driven tools and a deep understanding of market dynamics, I aim to transform mortgages from a financial obligation into a strategic wealth-building instrument.
Services
Mortgage Pre-Approval
First Time Buyers
Mortgage Refinancing
Investment Properties
Debt Consolidation
New To Canada Mortgages
Self-Employed Mortgages
Credit Improvement
Vacation Homes
Mortgage Renewals
Highlights and features
- We offer access to 50+ lending institutions including major banks and credit unions
- Our team specializes in tailored mortgage solutions for self-employed individuals
- We provide personalized guidance for newcomers to Canada's housing market
- Our process includes comprehensive mortgage education to eliminate surprises
- We handle all documentation and lender communication on your behalf
What people say
Excellent service
Highly recommended
Professional expertise
Saved thousands
Stress-free process
Services
Mortgage Pre-Approval
This service determines your borrowing capacity before house hunting. It guarantees a specific interest rate for a set period, helping focus your home search within budget. The process involves verifying income and financial status to ensure accurate qualification. Clients receive clear guidance on affordability and potential mortgage terms.
First Time Buyers
Specialized support for new homebuyers navigating their initial property purchase. Includes education on mortgage options, down payment strategies, and government programs like the Home Buyers' Plan. The service simplifies complex processes while securing competitive rates from multiple lenders.
Mortgage Refinancing
Optimize existing mortgages by securing lower rates or accessing home equity. This service analyzes current terms against market options to reduce payments or consolidate debt. Professionals provide penalty calculations and renewal negotiations with no hidden fees.
Investment Properties
Tailored financing solutions for rental and investment real estate. The service evaluates cash flow potential and tax implications while securing favorable terms. Professionals work with clients to structure mortgages that align with investment strategies and growth objectives.
New To Canada Mortgages
Specialized programs for recent immigrants with less than three years residency. This service accommodates unique credit histories and employment situations while accessing competitive rates. Professionals guide newcomers through Canadian mortgage requirements and documentation processes.
People
Candace Zihrul
Mortgage Associate
Experienced mortgage professional with extensive knowledge of Canadian lending markets. Specializes in complex cases including self-employed individuals and newcomers. Maintains strong relationships with 50+ lending institutions to secure optimal client outcomes.
Questions
What is mortgage loan insurance?
Mortgage loan insurance protects lenders against default on high-ratio mortgages. Required by law for down payments under 20%, it's provided by CMHC or private insurers like GE Capital. Premiums are paid by borrowers and can be added to the mortgage amount.
How does bankruptcy affect mortgage qualification?
Mortgage eligibility post-bankruptcy depends on circumstances. Some lenders consider applicants after demonstrating financial recovery. Documentation requirements and waiting periods vary by lender and bankruptcy type.
Can I use gift funds for a down payment?
Most lenders accept family gifts as down payment with a signed gift letter confirming no repayment obligation. CMHC-insured mortgages require proof of possession before approval, while GE Capital doesn't have this requirement.
What are closing costs for home purchases?
Closing costs include down payment, legal fees, home inspection, land transfer tax, and property insurance. Additional expenses cover utilities setup, moving costs, and initial maintenance. Total typically ranges from 1.5-4% of purchase price.
How can I pay off my mortgage faster?
Accelerate mortgage repayment through bi-weekly payments, principal prepayments, double-up options, or shorter amortization periods. Strategic planning can save thousands in interest while reducing payoff timelines significantly.
