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Review Keywords Analysis

  1. Canada
  2. Best Mortgage Brokers
  3. Mortgage Brokers in Manitoba
  4. Winnipeg
  5. Mortgage Affordability Calculator
1 · Your income
2 · Down payment
3 · What you can afford
Step 1 of 3

Mortgage Affordability Calculator Winnipeg, MB

How much house can you afford in Winnipeg? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.

Updated · 2026 stress test and CMHC rules

Add your partner's income if you're buying together.

Car loans, credit cards, lines of credit, student loans. Not rent.

Property tax and rules are for this province.

An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.

Top-rated mortgage brokers in Winnipeg

Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →

1

Castle Mortgage Group

Verified

Castle Mortgage Group focuses on finding mortgage rates and terms that best fit each client’s needs, emphasizing personal service throughout the process. They offer in-house legal and insurance support to handle paperwork and protect assets. While many clients appreciate their knowledgeable and responsive team, some have noted occasional delays in communication.

Services & Prices
Pre-Approval, Mortgage Application Assistance, Mortgage Renewal)
View Profile
Open 9:00 AM - 5:00 PM
580 Pembina Hwy #4, Winnipeg, MB R3M 2M5, Canada
General Services
Mortgage Services
2

Dominion Lending Centres - Mainstream Mortgages

Verified

Dominion Lending Centres - Mainstream Mortgages focuses on guiding clients through the mortgage process with clear education and up-to-date documentation checklists. The team offers competitive rates and flexible repayment terms for first-time buyers, refinances, and equity takeouts. Customers appreciate their responsiveness and thorough support, though some note that alternative lenders… more...

Dominion Lending Centres - Mainstream Mortgages focuses on guiding clients through the mortgage process with clear education and up-to-date documentation checklists. The team offers competitive rates and flexible repayment terms for first-time buyers, refinances, and equity takeouts. Customers appreciate their responsiveness and thorough support, though some note that alternative lenders occasionally provide better rates.

Services & Prices
Mortgage Application Assistance, Mortgage Pre-Approval, Mortgage Rate Comparison)
Home Search Support, Offer and Negotiation Assistance, Closing Process Guidance)
Rate Negotiation for Renewal, Document Preparation for Renewal)
Home Insurance Quotes, Insurance Policy Management, Insurance Advice for Mortgages)
View Profile
(204) 227-2744
Open 10:00 AM - 3:00 PM
1850 Ness Ave #2, Winnipeg, MB R3J 3J9, Canada
General Services
Mortgage Brokerage
3

Richard de Chevigny - Mortgage Broker at One Link Mortgage & Financial

Verified

With extensive experience in both finance and project management, this mortgage broker offers thorough guidance on mortgage applications and debt integration. The team provides clear communication and personalized advice, often collaborating with financial planners to support long-term financial goals. Clients appreciate their responsiveness and detailed explanations throughout the process.

Services & Prices
Mortgage Refinancing, Mortgage Pre-Approval)
Debt Evaluation, Debt Management Plans, Refinancing Assistance)
Property Research, Purchase Offer Preparation, Loan Application Support)
View Profile
(204) 296-5722
Open 9:00 AM - 6:00 PM
Virtual Appointments Only
General Services
Mortgage Services
4

Mortgage Advisor - Rajeev Sehgal

Verified

Known for its wide network of private and institutional lenders, Rajeev Sehgal offers mortgage services focused on securing competitive rates and guiding clients through the loan process. The team is praised for clear communication, responsiveness, and ethical professionalism, helping make home financing straightforward and comfortable.

Services & Prices
First-Time Home Buyer Assistance, Mortgage Rate Negotiation, Mortgage Approval Process Guidance)
Home Equity Refinancing, Rate-and-Term Refinancing, Cash-Out Refinancing)
Long-Term Rental Property Financing, Short-Term Rental Property Financing, Multi-Family Property Financing)
Pre-Approval Application Submission, Document Preparation for Pre-Approval)
View Profile
(204) 995-9909
Open 11:00 AM - 6:00 PM
1612 Logan Ave, Winnipeg, MB R3E 1S6, Canada
General Services
Mortgage Services
5

The Spooner Group

Verified

The Spooner Group specializes in efficient mortgage solutions with the convenience of digital document signing through DocuSign. Their team assists with home financing and refinancing, often praised for clear communication and patience, especially with first-time buyers. Some clients note occasional delays but appreciate the personalized support throughout the process.

Services & Prices
Home Purchase Mortgage, Refinancing Mortgage, First Time Home Buyer Assistance)
Rate Comparison and Negotiation, Paperwork and Documentation Assistance, New Terms Explanation)
Tailored Mortgage Plans, Lender Matching Services, Financial Assessment Services)
View Profile
Open 8:00 AM - 5:00 PM
278 Marion St, Winnipeg, MB R2H 0T7, Canada
General Services
Mortgage Brokerage
Where they are 10 on the map Click a pin for the profile and directions
6

Laurie Boudreau - Mortgage Specialist with Castle Mortgage

One of the few mortgage brokers with an Accredited Mortgage Professional (AMP) designation, this team specializes in helping first-time homebuyers, self-employed clients, and those with credit challenges. They offer mortgage solutions, credit counseling, and budgeting advice, with a reputation for clear communication and thorough support throughout the process.

Services & Prices
Home Purchase Mortgage Free Consultation
Refinancing Free Consultation
First-Time Buyer Assistance Free Consultation
Rate Comparison Free Consultation
View Profile
(204) 949-1500
Open 8:00 AM - 8:00 PM
1345 Waverley St,Winnipeg, MB R3T 5Y7
General Services
Mortgage Services
7

Ron Chan, Mortgage Broker | INVIS Winnipeg - Canada's Mortgage Experts - 204.290.9950

Known for guiding clients through complex mortgage challenges, Ron Chan at INVIS Winnipeg helps secure competitive rates and terms tailored to individual needs. The team offers clear advice and support for first-time buyers and seasoned homeowners alike, with many appreciating their patience and responsiveness throughout the process.

Services & Prices
Pre-Approval Services Free Consultation
First-Time Buyer Grant Assistance Free Consultation
Customized Mortgage Solutions Free Consultation
View Profile
(204) 290-9950
Open 7:00 AM - 9:00 PM
1921 Pembina Hwy B5, Winnipeg, MB R3T 2H3, Canada
General Services
Mortgage Brokerage
8

Tim Yuen - Mortgage Specialist with Castle Mortgage, Winnipeg, MB

Known for clear communication and patient guidance, this mortgage specialist helps clients navigate home financing with confidence. The team offers access to a wide range of lenders and focuses on educating first-time buyers and investors alike. Customers appreciate the responsiveness and thorough explanations throughout the mortgage process.

Services & Prices
First Time Home Buyer Assistance Free Consultation
View Profile
(204) 999-7377
Open 8:30 AM - 4:30 PM
1345 Waverley St #100,Winnipeg, MB R3T 5Y7
General Services
Mortgage Services
9

Alison Qin - Mortgage Broker

Specializing in personalized mortgage solutions, this brokerage helps homeowners understand their options and compare rates to find the best fit. The team is known for clear communication, patience, and responsiveness, often guiding clients through complex situations with care. Some clients note occasional challenges with lenders, but appreciate the attentive support throughout.

Services & Prices
Home Mortgage Financing Free Consultation
Mortgage Refinancing Free Consultation
First-Time Home Buyer Assistance Free Consultation
View Profile
Open 8:00 AM - 8:00 PM
193 Henlow Bay, Winnipeg, MB R3Y 1G4, Canada
General Services
Mortgage Services
10

Jason Kilborne - Professional Mortgage Specialist

Known for helping newcomers and first-time buyers navigate mortgage options, this specialist focuses on finding the best deals tailored to each client’s situation. The team handles everything from pre-approval to closing with clear communication and ongoing support. Clients appreciate their responsiveness and thorough guidance throughout the process.

Services & Prices
Mortgage Pre-Approval Free Consultation
Refinancing Assistance Free Consultation
Investment Property Financing Free Consultation
Credit Evaluation Free Consultation
View Profile
(204) 995-5722
Open 9:00 AM - 5:00 PM
1345 Waverley St #100,Winnipeg, MB R3T 5Y7
General Services
Mortgage Services

Latest reviews of Winnipeg Mortgage Brokers

Written on TrustAnalytica by clients of the businesses in this list
  • KATRINA

    To Rajeev, we couldn’t be happier and grateful! We wanted to thank him and we appreciate all his help in buying our house. His knowledge, expertise and attention to detail made the process easy and smooth for us. It was very comforting to know exactly what we were signing for and the details of what…

  • Daversace

    Laurie is a person with a heart of gold. She is very knowledgeable and ready to help. Laurie helps my wife and I to reach our goals and get the lower interest rate on the market during this time of uncertainty. We are very satisfied with yhe amazing work of Laurie Boudreau. May the Lord blessed her…

How this Winnipeg mortgage affordability calculator works

Lenders approve a mortgage when two ratios stay under their limits. Housing costs (mortgage payment, property tax and heating) must be no more than 39% of your gross income, and housing costs plus your other debt payments no more than 44%. The payment is tested at the qualifying rate, not your actual rate. The calculator finds the highest home price that passes both tests and the minimum down payment rules, and adds CMHC insurance to the loan when you put down less than 20%.

Manitoba rules and numbers this calculator uses

Stress test
You must qualify at the higher of your rate plus 2% or 5.25% (OSFI and federal insured-mortgage rules).
Debt limits
Housing costs up to 39% of gross income (GDS) and all debts up to 44% (TDS), the CMHC maximums. CMHC also needs a credit score of at least 600.
Minimum down payment
5% of the first $500,000 and 10% of the part above it. Homes priced at $1.5 million or more need 20% down and cannot be insured.
Mortgage insurance
Under 20% down, a CMHC premium is added to the loan: 2.80% of the loan at 15–19.99% down, 3.10% at 10–14.99% and 4.00% at 5–9.99%, plus 0.20% for a 30-year amortization.
Amortization
First-time buyers and buyers of new builds can take 30 years on an insured mortgage; others are tested at 25 years.
Property tax
About 0.91% of the home's value a year (Winnipeg, 2025), plus $100 a month for heating.
Rate
Starts at 4.49% (a typical 5-year fixed, October 2026). Change it to the rate you have been offered.

An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: CMHC homeowner mortgage loan insurance requirements and premiums, Finance Canada mortgage reforms effective December 15, 2024, OSFI minimum qualifying rate, 2025 municipal residential tax rates.

Frequently asked questions

8 questions
How does the mortgage affordability calculator work?
It estimates the highest home price you can afford based on income, debts, down payment, and interest rate. It includes mortgage, CMHC insurance, and property tax.
What is the stress test for mortgages in Manitoba?
You must qualify at the higher of your contract rate plus 2% or 5.25%.
How much house can I afford on a $100k salary in Winnipeg?
Your maximum home price depends on your debts, down payment, and interest rate. The calculator uses GDS and TDS limits to estimate affordability.
What are GDS and TDS in mortgage calculations?
GDS is housing costs up to 39% of income; TDS is all debts up to 44% of income. Both are calculated at the qualifying rate.
Can first-time buyers get a 30-year mortgage in Winnipeg?
Yes, first-time buyers and buyers of new homes can get a 30-year amortization on an insured mortgage.
How do debts affect my mortgage affordability?
Higher monthly debts reduce the mortgage amount you can qualify for. TDS limits total debts to 44% of your gross income.
What is the property tax rate in Winnipeg?
The property tax rate is approximately 0.91% of the home's value annually.
What's the difference between mortgage pre-approval and pre-qualification?
Pre-approval confirms your borrowing power after verifying income and debts. Pre-qualification is an initial estimate without verification.

General information, not financial advice — consult a qualified professional.