Buying a Winnipeg Home With an Unpermitted Basement Suite: What Happens to Your Mortgage?

Buying a Winnipeg Home With an Unpermitted Basement Suite: What Happens to Your Mortgage?

October 26, 2026 | Posted by: Shirl Funk

An advertised basement apartment can make a Winnipeg home look more affordable. Before counting on the rent, confirm whether the suite is approved and whether a lender will recognize the income. By S ...

read more
Buying a Winnipeg Home With Foundation Issues: Can You Still Get a Mortgage?

Buying a Winnipeg Home With Foundation Issues: Can You Still Get a Mortgage?

October 8, 2026 | Posted by: Shirl Funk

A cracked basement wall does not always end a home purchase, but the condition of the property can change the mortgage approval process. Here is what Winnipeg buyers should check before removing condi ...

read more
Private Mortgage Coming Due in Winnipeg? Your Next Move

Private Mortgage Coming Due in Winnipeg? Your Next Move

September 17, 2026 | Posted by: Shirl Funk

Review your maturity date, repayment options, and exit plan before your private mortgage term ends. By Shirl Funk Mortgages Ltd.Winnipeg, ManitobaApprox. 10-minute read Your private mortgage hel ...

read more
Sept 2-2026 - Bank of Canada maintains the policy rate at 2.25%

Sept 2-2026 - Bank of Canada maintains the policy rate at 2.25%

September 3, 2026 | Posted by: Shirl Funk

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The continuing conflict in the Middle East is keeping energy prices ...

read more
Co-Signer vs Guarantor for a 2026 Mortgage in Winnipeg: What Buyers Need to Know

Co-Signer vs Guarantor for a 2026 Mortgage in Winnipeg: What Buyers Need to Know

August 25, 2026 | Posted by: Shirl Funk

A co-signer can sometimes help strengthen a mortgage application, but signing a mortgage for someone else is a serious financial commitment. Here is what Winnipeg buyers and the people helping them sh ...

read more
Can You Get a HELOC With Bad Credit in Winnipeg in 2026?

Can You Get a HELOC With Bad Credit in Winnipeg in 2026?

July 29, 2026 | Posted by: Roar Solutions

A Winnipeg homeowner's credit history can affect HELOC approval, but it is only one part of the lender's review. Equity, income, debts, property value and the purpose of the funds also matter. By Shi ...

read more
July 15 - 2026 - Bank of Canada Holds Rate at 2.25%

July 15 - 2026 - Bank of Canada Holds Rate at 2.25%

July 15, 2026 | Posted by: Shirl Funk

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. Canada’s economy is showing signs of improvement. Growth is p ...

read more
Winnipeg Mortgage Closing Costs in 2026 - Beyond the Down Payment

Winnipeg Mortgage Closing Costs in 2026 - Beyond the Down Payment

July 13, 2026 | Posted by: Shirl Funk

Saving a down payment can feel like the main financial hurdle between renting and owning a home. Then buyers begin making offers and discover that the down payment is only one part of the cash they ma ...

read more
Winnipeg Mortgage Renewal vs Refinance, Should You Sign, Switch, or Restructure?

Winnipeg Mortgage Renewal vs Refinance, Should You Sign, Switch, or Restructure?

June 23, 2026 | Posted by: Shirl Funk

A mortgage renewal letter can feel simple at first. The lender sends a new rate, a new term, and a place to sign. For many Winnipeg homeowners, that letter arrives at a time when monthly costs already ...

read more
June 6, 2026 - Bank of Canada Holding Rate at 2.25%

June 6, 2026 - Bank of Canada Holding Rate at 2.25%

June 10, 2026 | Posted by: Shirl Funk

The Bank of Canada today held its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The conflict in the Middle East is now in its fourth month. The res ...

read more

Fast. Trusted. Reliable.
Your Mortgage, Your Way.

Get the funding you need, when you need it.

Schedule a No-Obligation Call

Free Mortgage Guides!

Free educational tips and tricks

Download Now
Google Rating
5