My Rates

1 Year 7.44%
2 Years 6.44%
3 Years 5.89%
5 Years 5.24%
*Rates subject to change and OAC
Manuel Mangibin Mortgage Agent

Manuel Mangibin

Mortgage Agent

211 Valley View Drive, Chruchill, Ontario







Welcome! We are dedicated to helping you find the best mortgage solution to suit your needs. 


Our services include first-time homebuyer mortgages, refinancing options, mortgage renewals, variable and fixed-rate mortgages, and mortgage pre-approvals. We work with a wide range of lenders to provide our clients with access to a variety of mortgage products and services. 


The first step in the mortgage application process is to complete our online mortgage application, which can be done from the comfort of your own home, at any time that works best for you. The online application is secure and easy to use, and designed to gather all the necessary information we'll need to begin the process of finding the best mortgage solution for you. 


Once you've completed the online application, we will be in touch with you to schedule a consultation and discuss next steps. During this initial consultation, we'll discuss your financial situation, your mortgage needs, and your goals. Based on this information, we'll help you choose the best mortgage product and walk you through the application process. 


What's required from applicants throughout the process includes but is not limited to proof of income, employment information, banking information, income tax history and details about your assets and liabilities. We'll also need information about the property you're looking to purchase or refinance, such as its value and location. 


We understand that the mortgage process can be overwhelming. That's why we're here to guide you every step of the way. We will work with you to ensure that you have a clear understanding of the mortgage products available, the application process, and what's required from you as an applicant. 


We're here to accommodate your preferences and work with you in the way that works best for you. Contact us today to get started on your mortgage journey. 

I'm Equifax certified

I'm certified through the Equifax Credit Professional Program.

BLOG / NEWS Updates

Further Rate Cuts on the Horizon: Scotiabank’s Forecast Tables

From Scotiabank We expect the Bank of Canada to cut by 25bps at each of the next three meetings. Inflation is on a good downward path though growth in the interest rate-sensitive parts of the economy remains surprisingly strong. Positive risks to the outlook for growth and inflation remain as interest rates come down. We are particularly mindful of the response in real estate markets and household spending. Any materialization of upside risks would imperil future rate cuts. Rate cuts have finally begun in Canada. With inflation hopefully on a sustained downward path despite the interest rate-sensitive parts of our economy performing surprisingly well, it is now clear that the Bank of Canada has decided rate relief is necessary. That is great news for borrowers if the Bank of Canada follows through with additional cuts. We think they will, though we remain concerned about upside risks to inflation given rising wages and falling productivity, the surprising strength in consumption, the serial over-stimulation by the federal and provincial governments, and the potential for a housing market rebound. As a result of the latest decision and the communications around that we are changing our Bank of Canada view and now expect that Governor Macklem will cut the policy rate at each of the next three meetings, for a total of 100bps of cuts this year. https://www.scotiabank.com/ca/en/about/economics/economics-publications/post.other-publications.global-outlook-and-forecast-tables.scotiabank%27s-forecast-tables.2024.june-6--2024.html

NBC BoC Policy Monitor: Price progress = Policy pivot

From National Bank of Canada In the first rate decision with material uncertainty in a year, the BoC opted lower the target for the overnight rate by 25 basis points, a decision in line with market expectations and the consensus forecast. This makes the BoC the first G7 central bank to ease policy this year, though the ECB is widely expected to follow suit tomorrow. Citing clear progress in core inflation, in addition to ongoing sub-potential growth and a rebalancing labour market, the press release noted monetary policy no longer needs to be as restrictive. The focus now turns to the pacing of cuts in this nascent easing cycle. In the opening statement to the presser, Macklem said its reasonable to expect further easing as long as inflation continues to ease. That puts a July cut squarely in focus and wed be inclined to bet they will ease again at the next meeting. At the same time, wed note that earlier BoC communications indicated that monetary policy easing this year would be gradual. Macklem confirmed this view in the press conference. So although back-to-back cuts may be instituted to start, were skeptical theyll continue at the same pace thereafter. We agree with market expectations that 50 basis points of additional rate relief is appropriate in 2024. In contrast, the consensus sees this marking the start of a more aggressive easing campaign. The median expectation is for a 4% policy rate by year-end. Three more cuts over the last four decisions of the year, isnt a pace of cuts we would characterize as gradual and isnt as likely to materialize barring a more material slowdown in the economy. The Banks next decision will take place on July 24th. The Summary of Deliberations for todays decision will be released on June 19th. https://www.nbc.ca/content/dam/bnc/taux-analyses/analyse-eco/boc-policy-monitor.pdf


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