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My Rates

6 Months 7.94%
1 Year 6.94%
3 Years 5.71%
4 Years 5.67%
5 Years 5.09%
7 Years 6.24%
10 Years 6.29%
6 Months Open 9.75%
1 Year Open 8.00%
*Rates subject to change and OAC
MEREDITH KAMINSKY Accredited Mortgage Professional

MEREDITH KAMINSKY

Accredited Mortgage Professional


Office:
One-Link Mortgage & Financial
Phone:
204.955.4222
Email:
meredith@onelinkmortgage.com
Address:
Unit 100 -99 Scurfield Boulevard, Winnipeg, Manitoba

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It PAYS to shop around.

Many Canadian homeowners pay too much for their homes because they are not getting the best mortgage financing available in the market.

The mortgage process can be intimidating for homeowners, and some financial institutions don't make the process any easier.

But I’m here to help!

I’m a VERICO Mortgage Advisor and I’m an independent, unbiased, expert, here to help you move into a home you love.

I have access to mortgage products from over forty lenders at my fingertips and I work with you to determine the best product that will fit your immediate financial needs and future goals.

VERICO mortgage specialists are Canada’s Trusted Experts who will be with you through the life of your mortgage.

I save you money by sourcing the best products at the best rates – not only on your first mortgage but through every subsequent renewal. So whether you're buying a home, renewing your mortgage, refinancing, renovating, investing, or consolidating your debts — I’m the VERICO Mortgage Advisor who can help you get the right financing, from the right lender, at the right rate.

 

Some kind words from my clients:

 

Krystena & Ian:  Meredith, Thank you so much for all your help and guidance with our first home. We couldn’t have done it without you!         

Ivan S:  Meredith: I appreciate all your help and professionalism over the years (especially your patience dealing with us! Lol). We can well recommend you to anyone!         
Kelly H:  "Truly a miracle worker and trustworthy advocate! An asset to have in your corner!"         

N Hosein:  I would not hesitate to recommend Meredith to family and friends. She was amazing, understood our needs, looked out for our best interest, and got us a great deal for our mortgage.         

Nicole G: I was completely satisfied with my mortgage experience with Meredith. She answered all my questions and did an amazing job. I highly recommend her!         

Megan T:  I will highly recommend you to anyone that I know is looking for a mortgage. I am very happy with the services you provided me in the past. You did a great job every time. Thanks!         

Michael C: Hi Meredith! You were the “one link” who stepped up to the plate in what was a stressful point in our search for solutions. Your professionalism and thoughtfulness have been especially appreciated. Thank you for helping us along!         

Ken H:  Meredith provided a one-stop service and found us the best financing product for our particular needs. We were very satisfied with her services.         

Stephen C: I was extremely satisfied with Meredith’s services and she exceeded my expectations. I will absolutely refer her to anyone in need of her services.         

Scott T: Meredith helped us achieve one of our dreams: owning our own business premises and we are extremely satisfied with her services.         

Michal V:  We are very happy with your service, Meredith, and will definitely always keep you in mind for any need we might have!         

Michal & Nicole:  Meredith, just wanted to say a big thank you for all your work and patience with us. I am more than happy to tell people about you because you go that extra mile that makes all the difference. Thank you again!         

Ephram B:  Thank you so much for all your hard work on our loan. You made the whole process palatable and painless. We wish all our transactions were this smooth. My wife and I are both ecstatic with the support and understanding you gave us through the entire process. We will definitely recommend you to family and friends. Thank you once again.

 

BLOG / NEWS Updates

SCOTIABANK: SPEND LIKE THERE IS NO TOMORROW, TAX LIKE THERE IS

Canadas federal Finance Minister tabled Budget 2024 on April 16th. Gross new spending measures were substantially higher than signalled ahead of budget day, with equally substantial taxation measures partially offsetting the net impact. The budget adds a near-term boost to growth with major new spending, but it introduces another twist as it gives with one hand while taking with the other. While net new spending amounts to 0.4% f GDP over the next two years, gross outlays to Canadians adds up to a much more substantial $22.5 bn (0.7%), while syphoning off $9.5 bn from drivers of growth. This is additive to the $44 bn incremental spending provinces have announced in recent weeks. The budget clearly makes the Bank of Canadas job more difficult. The soft inflation print released into the budget risks fanning complacency around the risk of a resurgence in inflationary pressure particularly with a housing market rebound waiting in the wings (and more potential buyers on the margin after this budget). New spending is hardly focused. A gross $56.8 bn is spread widely across a range of priorities. The new Housing Plan reflects just 1/6th of new outlays. Others were channeled aheadmilitary spending, AI investments, and pharmacarewhile new pledges were tabled towards Aboriginal investments, community spending, and a new disability benefit among others. New tax measures will yield a $21.9 bn offsetnotably a big increase to the capital gains inclusion rate from one-half to two-thirds for individuals and corporations later this Spring. The net cost of new measures in this budget lands at $34.8 bn over the planning horizon. Near-term economic momentum has provided additional offsets ($29.1 bn), leaving the fiscal path broadly similar to the Fall Update. The FY24 deficit comes in on the mark at $40 bn (1.4% of GDP) and is expected to descend softly to $20 bn (0.6%) by FY29. Debt remains largely on a similar path of modest declines as a share of GDP over the horizon. The fiscal plan could have delivered on critical priorities including the Housing Plan, along with AI and Indigenous spending, while still adhering to its fiscal anchors without resorting to substantial new taxation measures that will dampen confidence and introduce further distortions to Canadas competitive landscape. It wont likely trigger an election, but it is clearly a warm-up lap as Canadians brace for the polls within the next 1218 months. The taps are unlikely to be turned off any time soon. Source: https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.fiscal-policy.fiscal-pulse.federal.federal-budget-analysis-.canadian-federal--2024-25-budget--april-16--2024-.html

Bank of Canada maintains policy rate, continues quantitative tightening

The Bank of Canada held its target for the overnight rate at 5%, with the Bank Rate at 5% and the deposit rate at 5%. The Bank is continuing its policy of quantitative tightening. The Bank expects the global economy to continue growing at a rate of about 3%, with inflation in most advanced economies easing gradually. The US economy has again proven stronger than anticipated, buoyed by resilient consumption and robust business and government spending. US GDP growth is expected to slow in the second half of this year, but remain stronger than forecast in January. The euro area is projected to gradually recover from current weak growth. Global oil prices have moved up, averaging about $5 higher than assumed in the January Monetary Policy Report (MPR). Since January, bond yields have increased but, with narrower corporate credit spreads and sharply higher equity markets, overall financial conditions have eased. The Bank has revised up its forecast for global GDP growth to 2% in 2024 and about 3% in 2025 and 2026. Inflation continues to slow across most advanced economies, although progress will likely be bumpy. Inflation rates are projected to reach central bank targets in 2025. In Canada, economic growth stalled in the second half of last year and the economy moved into excess supply. A broad range of indicators suggest that labour market conditions continue to ease. Employment has been growing more slowly than the working-age population and the unemployment rate has risen gradually, reaching 6.1% in March. There are some recent signs that wage pressures are moderating. Source:https://www.bankofcanada.ca/2024/04/fad-press-release-2024-04-10

Canadian Survey of Consumer Expectations—First Quarter of 2024

Consumers believe inflation has slowed, but their expectations for inflation in the near term have barely changed. Consumers link their perceptions of slowing inflation with their own experiences of price changes for frequently purchased items, such as food and gas. Expectations for long-term inflation have increased, though they remain below their historical average. Relative to last quarter, consumers now think that factors contributing to high inflationparticularly high government spending and elevated home prices and rent costswill take longer to resolve. Canadians continue to feel the negative impacts of high inflation and high interest rates on their budgets, and nearly two-thirds are cutting or postponing spending in response. Although weak, consumer sentiment improved this quarter, with people expecting lower interest rates. As a result, consumers are less pessimistic about the future of the economy and their financial situation, and fewer think they will need to further cut or postpone spending. Improved sentiment is also evident in perceptions of the labour market, which have stabilized after easing over recent quarters. Workers continue to feel positive about the labour market and, with inflation expected to be high, they continue to anticipate stronger-than-average wage growth. Source: https://www.bankofcanada.ca/2024/04/canadian-survey-of-consumer-expectations-first-quarter-of-2024

MY LENDERS

Scotia Bank TD Bank First National EQ Bank MCAP Merix
Home Trust CMLS Manulife RFA B2B Bank Community Trust
Lifecycle Mortgage ICICI Bank Radius Financial HomeEquity Bank CMI Bridgewater
Sequence Capital Wealth One Fisgard Capital Bloom Financial NationalBank