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My Rates

6 Months 6.09%
1 Year 4.84%
2 Years 4.39%
3 Years 4.04%
4 Years 4.39%
5 Years 4.19%
7 Years 4.75%
10 Years 5.10%
6 Months Open 9.75%
1 Year Open 9.75%
*Rates subject to change and OAC
MEREDITH KAMINSKY Accredited Mortgage Professional

MEREDITH KAMINSKY

Accredited Mortgage Professional


Phone:
Address:
Unit 100 -99 Scurfield Boulevard, Winnipeg, Manitoba, R3Y 1Y1

BROWSE

PARTNERS

COMPLETE

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A FRIEND

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

CMHC: Canadian Home Sales Begin 2026 on Ice as Snow Buries Central Canada

The number of home sales recorded over Canadian MLS Systems fell 5.8% on a month-over-month basis in January 2026. The monthly decline in national home sales was driven primarily by less activity in the Greater Golden Horseshoe and Southwestern Ontario, suggesting that the story was probably more about a historic winter storm than a downshift in demand, said Shaun Cathcart, CREAs Senior Economist. Notwithstanding the chilly start to the year, we continue to expect 2026 will ultimately be defined by pent-up demand from first-time buyers finally seeing a chance to enter the market. January Highlights: National home sales declined 5.8% month-over-month. Actual (not seasonally adjusted) monthly activity came in 16.2% below January 2025. The number of newly listed properties jumped 7.3% on a month-over-month basis. The MLS Home Price Index (HPI) fell 0.9% month-over-month and was down 4.9% on a year-over-year basis. The actual (not seasonally adjusted) national average sale price dipped 2.6% on a year-over-year basis in January 2026. Similar to what happened in January 2025, new supply jumped on a month-over-month basis in January 2026, rising 7.3% as sellers seemed eager to get the year started. The burst of new supply was driven by about two-thirds of local markets, and led by Montreal, Quebec City, Calgary, Greater Vancouver, and Victoria. Meanwhile, Central and Southwestern Ontario were far less prominent and, in many cases, recorded declines. This reinforces the view that winter weather was a primary factor in January in those regions, as it appears to have suppressed both demand and supply. https://www.crea.ca/media-hub/news/home-sales-in-canada-end-2025-quietly-2/

CMHC: Housing Market Outlook 2026

Canadas economy is expected to grow slowly in 2026, as the following factors weigh on demand: geopolitical and trade uncertainty, significantly lower population growth, soft labour markets and modest income growth. Growth is projected to improve slowly in 2027 and 2028. Housing demand is projected to gain momentum while sales stay below historical averages and prices show only modest gains after falling in 2025. New home construction is set to decline through 2028 as developers face high costs, weaker demand and more unsold homes. Condominium starts will be especially weak. Rental projects will continue to drive new supply but will moderate over the forecast period. Rental markets are moving toward balance from an overall national perspective as new supply eases pressure and rent growth slows, giving renters more flexibility before buying a home. Regional housing markets vary significantly. Construction and home sales in Ontario and British Columbia will be weaker than their 10-year averages while, in the Prairies and Quebec, they will remain above their historical averages. Ontario is the only region expected to see price declines in 2026. https://www.cmhc-schl.gc.ca/professionals/housing-markets-data-and-research/market-reports/housing-market/housing-market-outlook

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