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.
Enter your yearly household income.
Savings, RRSP Home Buyers' Plan, FHSA and gifts from family all count. Minimum: 5% of the first $500,000, 10% above that.
4.49% (a typical 5-year fixed, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Castle Mortgage GroupVerified
4.8 · 100 reviews · Free pre-approval
Get pre-approved →
Dominion Lending Centres - Mainstream MortgagesVerified
4.9 · 71 reviews · Free pre-approval
Get pre-approved →
Richard de Chevigny - Mortgage Broker at One Link Mortgage & FinancialVerified
5.0 · 49 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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…
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…
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Castle Mortgage Group | 4.8 | 100 | — | — | Visit |
| 2 | Dominion Lending Centres - Mainstream Mortgages | 4.9 | 71 | — | (204) 227-2744 | Visit |
| 3 | Richard de Chevigny - Mortgage Broker at One Link Mortgage & Financial | 5.0 | 49 | — | (204) 296-5722 | Visit |
| 4 | Mortgage Advisor - Rajeev Sehgal | 4.9 | 42 | — | (204) 995-9909 | Visit |
| 5 | The Spooner Group | 4.6 | 39 | — | — | Visit |
| 6 | Laurie Boudreau - Mortgage Specialist with Castle Mortgage | 5.0 | 85 | Free Consultation | (204) 949-1500 | Visit |
| 7 | Ron Chan, Mortgage Broker | INVIS Winnipeg - Canada's Mortgage Experts - 204.290.9950 | 5.0 | 69 | Free Consultation | (204) 290-9950 | Visit |
| 8 | Tim Yuen - Mortgage Specialist with Castle Mortgage, Winnipeg, MB | 5.0 | 43 | Free Consultation | (204) 999-7377 | Visit |
| 9 | Alison Qin - Mortgage Broker | 5.0 | 27 | Free Consultation | — | Visit |
| 10 | Jason Kilborne - Professional Mortgage Specialist | 5.0 | 20 | Free Consultation | (204) 995-5722 | Visit |
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%.
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.
General information, not financial advice — consult a qualified professional.