MEREDITH KAMINSKY

Name: MEREDITH KAMINSKY
Address: Unit 100 -99 Scurfield Boulevard, Winnipeg, Manitoba, Canada
Telephone: 204.955.4222

Accredited Mortgage Professional

Office:

One-Link Mortgage & Financial

Phone:

204.955.4222

Email:

meredith@onelinkmortgage.com

Address:

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

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

TD Provincial Economic Forecast: Tariffs Taxing the Provincial Outlook

By TD Economics Weve slashed our real GDP growth forecasts for this year from coast-to-coast, reflecting the impact of the Canada-U.S. trade war. Solid Q1 activity across regions will buffer annual averages, but we foresee a mild recession unfolding for Canada in the middle-part of this year. Our forecast assumes that Canadas exports to the U.S. will face a 12.5% effective tariff rate for six months, lowered to 5% in Q4-2025 and held there through the projection horizon. We expect Canada to retaliate with their $155 billion package over the next two quarters before paring back to $30 billion. Across provinces, Quebec and Ontario are especially exposed to tariff risks given their outsized manufacturing sectors. However, Quebecs public sector is also quite large, and is less directly exposed. New Brunswick, meanwhile, is heavily reliant on the U.S. as an export destination. On the flipside, U.S.-bound shipments make up only a small share of GDP in Nova Scotia and B.C., while a lower 10% tariff on energy exports will likely soften the blow in Albertas case. The commodities backdrop, especially crude oil, is softening due to the prospect of slowing global demand growth. WTI prices have been revised lower, impacting profitability and investment in key resource-producing provinces. Our forecast builds in assumed support from government stimulus. So far, weve received budgets from Nova Scotia, B.C., and Alberta. For the most part, growth-supporting efforts have focused on infrastructure spending and allocating funds for trade-war related contingencies. Alberta, however, will roll out a sizeable tax cut for households this year. Provinces are also retaliating to through various measures, including the elimination of U.S. alcohol purchases. Weve downgraded our annual average housing forecasts for nearly every province this year (Newfoundland and Labrador gets a reprieve given solid momentum heading into 2025). Q1-25 performances were weak across most provinces. Part of this can be traced to severe winter storms in February, although tariff-related economic uncertainty is probably weighing. A subdued performance is likely in the cards for the bulk of 2025, before an improving jobs market, pent-up demand and waning uncertainty drives a better outcome in 2026. https://economics.td.com/provincial-economic-forecast

NBC Housing Market Monitor: Home sales decline for the third consecutive month in February

Home sales dropped by 9.8% between January and February, the third monthly contraction in a row and the strongest decline since May 2022 when the Bank of Canada was tightening its monetary policy aggressively. On the supply side, new listings down 12.7% from January to February following a 14.8% jump the previous month. Active listings increased by 3.4% from January to February, the third monthly advance in a row. Combined with the decrease in sales, the number of months of inventory (active listings-to-sales) increased for the third consecutive month, jumping from 4.1 in January to 4.7 in February, its highest level since June 2019 (excluding Covid). Market conditions loosened sharply during the month and moved from tighter than their historical average to balanced. This was mainly due to a sharp softening in market conditions in Ontario and B.C., which are now in favourable to buyers territory. On the other hand, all other provinces are still showing tighter than average market conditions. Housing starts decreased by 4% (-10.3K) in February to 229.0K (seasonally adjusted and annualized), a print below the median economist forecast calling for 246K units. The monthly loss was driven by a decrease in urban starts (-10.3K to 209.8K) while rural starts were flat (at 19.2K). In urban centres, the regression was observed in the multi-unit segment (-9.8K to 166.5K), while starts edged down in the single-detached segment (-0.5K to 43.3K). The TeranetNational Bank Composite National House Price Index decreased by 0.1% from January to February after seasonal adjustment. Three of the 11 markets in the composite index were down during the month: Victoria (-1.4%), Vancouver (-0.9%) and Toronto (-0.5%). Conversely, prices rose in Halifax (+2.8%), Winnipeg (+0.9%), Montreal (+0.9%), Edmonton (+0.9%), Calgary (+0.8%), Quebec City (+0.6%), Ottawa-Gatineau (+0.3%) and Hamilton (+0.2%). https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/logement/economic-news-resale-market.pdf

CREA National Statistics: Tariff Uncertainty Keeping Home Buyers on the Sidelines

Canadian home sales fell sharply from January to February, as home buyers remained on the sidelines in the first full month of the ongoing trade war with the United States. Sales activity recorded over Canadian MLS Systems dropped 9.8% month-over-month in February 2025, marking the lowest level for home sales since November 2023, and the largest month-over-month decline in activity since May 2022. The moment tariffs were first announced on January 20, a gap opened between home sales recorded this year and last. This trend continued to widen throughout February, leading to a significant, but hardly surprising, drop in monthly activity, said Shaun Cathcart, CREAs Senior Economist. This is already being reflected in renewed price softness, particularly in Ontarios Greater Golden Horseshoe region. Declines were broad-based, with sales falling in about three-quarters of all local markets and in almost all large markets. The trend was most pronounced in the Greater Toronto Area and surrounding Great Golden Horseshoe regions. February Highlights: National home sales dropped 9.8% month-over-month. Actual (not seasonally adjusted) monthly activity came in 10.4% below February 2024. The number of newly listed properties fell back 12.7% month-over-month. The MLS Home Price Index (HPI) declined 0.8% month-over-month and was down 1% on a year-over-year basis. The actual (not seasonally adjusted) national average sale price fell 3.3% on a year-over-year basis. https://stats.crea.ca/en-CA/

6 Months	7.60%
1 Year	5.24%
2 Years	4.79%
3 Years	4.49%
4 Years	4.49%
5 Years	4.09%
7 Years	5.79%
10 Years	5.84%
6 Months Open	8.95%
1 Year Open	8.00%
*Rates subject to change and OAC

My Rates

MEREDITH KAMINSKY

BROWSE

COMPLETE

REFER

BLOG / NEWS Updates

TD Provincial Economic Forecast: Tariffs Taxing the Provincial Outlook

NBC Housing Market Monitor: Home sales decline for the third consecutive month in February

CREA National Statistics: Tariff Uncertainty Keeping Home Buyers on the Sidelines

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