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My Rates

1 Year 3.19%
2 Years 3.04%
3 Years 2.99%
4 Years 2.99%
5 Years 2.74%
7 Years 2.99%
10 Years 3.09%
6 Months Open 6.70%
1 Year Open 4.45%
*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

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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

Minister Morneau announces new benchmark rate for qualifying insured mortgages

For many Canadians, their home is the most important investment they will make in their lifetime. That is why the Government of Canada has introduced measures to help more Canadians achieve their housing needs while also taking measured actions to contain risks in the housing market. A stable and healthy housing market is part of a strong economy, which is vital to building and supporting a strong middle class. Today, Minister of Finance, Bill Morneau, announced changes to the benchmark rate used to determine the minimum qualifying rate for insured mortgages, also known as the stress test. These changes will come into effect on April 6, 2020. The new benchmark rate will be the weekly median 5-year fixed insured mortgage rate from mortgage insurance applications, plus 2%. This follows a recent review by federal financial agencies which concluded that the minimum qualifying rate should be more dynamic to better reflect the evolution of market conditions. Overall, the review concluded that mortgage standards are working to ensure that home buyers are able to afford their homes even if interest rates rise, incomes change, or families are faced with unforeseen expenses. This adjustment to the stress test will allow it to be more representative of the mortgage rates offered by lenders and more responsive to market conditions. The Office of the Superintendent of Financial Institutions (OSFI) also announced today that it is considering the same new benchmark rate to determine the minimum qualifying rate for uninsured mortgages. OSFI is seeking input from interested stakeholders on this proposal before March 17, 2020.

The Contagion of Fear

Fears of a possible coronavirus pandemic are sweeping the world. Markets are jittery with little hard data to go on. With the first case now reported in Canada, many are recalling the 2003 SARS where Canada was one of the epicenters. Arguably the biggest (economic) lesson from that experience is that fear is the biggest risk to the outlook. The impact of the SARS pandemic on the Canadian economy is difficult to estimate, confounded as it was by the slowing US economy, the invasion of Iraq and other events, but the Bank of Canada estimated -0.6ppt hit to annualized growth in Q2-2003, or just over 0.1% on the level of GDP. While it is premature to predict the path of todays coronavirus outbreak, we estimate that a SARS-equivalent pandemic today could have a similar impact on the Canadian economy with an estimated hit of just over 0.1% on the level of GDP by mid-2020, at which point a pandemic should be contained. This estimate is subject to a significant degree of uncertainty with risks skewed to a potentially larger impact. The effect should not be significant enough to trigger a broader economic malaise, but could this finally push Governor Poloz over the line to proactively stimulate the economy in his next rate call? Source: https://www.scotiabank.com/content/dam/scotiabank/sub-brands/scotiabank-economics/english/documents/insights-views/2020-01-27_IV.pdf

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