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My Rates

6 Months 6.09%
1 Year 4.99%
2 Years 4.39%
3 Years 4.19%
4 Years 4.39%
5 Years 4.24%
7 Years 4.89%
10 Years 5.24%
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

THE SURVEY

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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

Scotia Bank: Canadian Home Sales (December 2025): Housing News Flash

CANADA HOUSING MARKET: FOR 2025, THE EARLY-YEAR OPTIMISM WAS SIDETRACKED BY RISING GLOBAL TRADE FRICTIONS AND UNCERTAINTY National housing sales (in units) posted another monthly decline in December. The sales-to-new listings ratioan indicator of market conditions tightnesseased modestly over this period with new listings also declining, but at a lesser pace than sales. The national MLS HPI continued its downward trend in December, consistent with easier housing market conditions nationally. National (unit) sales fell -2.7% (sa figures) from November to December, after a -0.8% monthly decline in November. In December, they were -10.1% below their most recent peak achieved in November 2024, and 4.5% (nsa figures) below their December 2024 level. National new listings posted their fourth consecutive monthly decline in December with a -2% (sa) print. However, they were in December 0.8% higher than the same month in the previous year. National resale market conditions eased in December, from both the previous month and from the same month in 2024. The monthly easing reflects a 0.4 percentage point decline (sa) for the sales-to-new listings ratio from November to Decemberas the decline in sales modestly outpaced that in new listingsas well as a modest rise in months of inventory from 4.4 to 4.5 months over this period. Second, the yearly progression in both the sales-to-new listings ratiodeclining by 3.5 p.p.and months of inventoryrising by 0.6 monthsuggests easier resale conditions last December compared to a year earlier. https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.housing.housing-news-flash.january-15--2026.html

CREA: Home Sales in Canada End 2025 Quietly

The number of home sales recorded over Canadian MLS Systems declined 2.7% on a month -over-month basis in December 2025. On an annual basis, transactions totalled 470,314 units in 2025, a decrease of 1.9% from 2024. The year was characterized by a tariff -induced flight of buyers back to the sidelines in the first quarter, followed by a decent sales rally mid -year, and a bit of a stall to finish off 2025. There doesnt appear to have been much rhyme or reason to the month - over-month decline in home sales in December, which was simply the result of coincident but seemingly unrelated slowdowns in Vancouver, Calgary, Edmonton, and Montreal, said Shaun Cathcart, CREAs Senior Economist. For that reason, it would be prudent for market observers to resist the temptation to trace a line from the end of 2025 into 2026. Rather, we continue to expect sales to move higher again as we get closer to the spring, rejoining the upward trend that was observed throughout the spring, summer, and early fall of last year. December Highlights: National home sales declined 2.7% month -over-month. Actual (not seasonally adjusted) monthly activity came in 4.5% below December 2024. The number of newly listed properties dropped 2% on a month -over-month basis . The MLS Home Price Index (HPI) dipped 0.3% month-over-month and was down 4% on a year-over-year basis. The actual (not seasonally adjusted) national average sale price was virtually unchanged ( -0.1%) on a year-over-year basis. https://www.crea.ca/media-hub/news/home-sales-in-canada-end-2025-quietly/

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