Best Mortgage Brokers in Winnipeg
We extensively test and research all services we review. Here's why you can trust us.

The 10 Best Mortgage Brokers in Winnipeg

Do you need a new place to move into but are hesitant due to real estate prices? If so, then you need the best mortgage broker in Winnipeg to find you funding for a new home or apartment.

In this article, you’ll find the top Winnipeg brokers based on their connections, rates, customer services, and track records. At the end of this page, you’ll also find answers to the most frequently asked questions about mortgage brokerage.

But before anything else, we’ll talk about the advantages of hiring a mortgage broker.

Why Hire a Mortgage Broker

Unlike mortgage bankers, mortgage brokers have connections and access to a wide variety of loans, rates, and lenders. They aren’t hired by a single lender, so they can shop around for the best rates and terms for mortgage loans.

Additionally, they help with the process, from coordinating information to filing paperwork. So, hiring a mortgage broker will not only help you find great-value loans, but they will also help you secure and close the mortgage.

They also help before your search even starts as they can give you tips on what you need to secure the best mortgage rates.

So, if you’re worried about having bad credit or less income than what normal banks would approve for a loan, then hiring a mortgage broker should be the way to go.

How Much Do Mortgage Brokers Charge

Usually, mortgage brokers would get a 0.5%-2% commission from the loaned amount. Federal laws even exist to avoid brokers from charging too much; thus, fees above 2% are illegal.

In Canada, the lender pays this commission to the broker in the form of a finder’s fee. Since your loan computation would already include costs for commission, you should no longer pay your mortgage broker other fees upfront.

You should also know: the longer the mortgage and the higher the rate and price, the higher the commission rates.

Lenders usually pay mortgage brokers after closing the deal. Paying after the transaction is finalized is also beneficial because it takes out any complications out of the equation.

During closing or settlement, you’d typically pay 3%-6% of the original mortgage you’re requesting.

The 10 Best Mortgage Brokers in Winnipeg

So, let’s now take a look at the best mortgage brokerages in Winnipeg. We listed only those companies with competitive rates, vast lender connections, and positive reviews.

1.   Perch

BEST FOR   Full-Service Mortgage
SERVICESPerch Pathfinder
Mortgage Calculator
Mortgage Penalty Calculator
First Time Home Buyer Calculator
Mortgage Qualifier Tool
Rent vs Buy Calculator
Closing Cost Calculator
Land Transfer Tax Calculator
Home Renovation Refinancing Calculator
ADDRESS100 College St Suite 150 Toronto, ON M5G1L5
CONTACT DETAILS1-844-415-8263 / [email protected]

Perch is a company that offers a consolidated space for homeowners for the purpose of selling and buying different homes at affordable and negotiable rates. Currently, they are members of recognized associations in the industry such as the Canadian Lenders Association and Communitech among others.

We find their expertise in the field is both commendable and diverse since their professionals have a lot of prior experience when it comes to areas such as data science, software engineering, and brokering deals among many others.

Another thing we find commendable is their online website wherein clients can easily access and use in their leisure time for contactless and convenient services.

Furthermore, we think that, due to the wide plethora of resources and information they offer, clients can make use of their materials as a reliable resource when it comes to local information regarding properties in the area.

Overall, with a guarantee of smooth and timely services, we highly recommend them to clients looking for homes in the communities in which they currently accommodate.


  • Convenient Inquiries
  • Reliable resource materials are accessible
  • Wide range of communities accommodated


  • No physical locations

Customer Reviews

Here are some reviews from their clients:

“Alex is the Mortgage Guru. He helped me through every step of the way and I could trust hum with every aspect of my home purchase. He also got me the best rate, which has saved lost of money in the long run. Would DEFINITELY recommend! Thanks for everything.”

“Perch was so key in helping us buy our first home! The support and service was there every step of the way, the site made everything easier to understand and being able to do everything online was amazing! We recommend this to all our friends.

2.   Castle Mortgage Group

Castle Mortgage Group's Homepage
BEST FOR   Large mortgage broker team
SERVICESMortgage brokerage, refinancing, home, disability, long-term care, health, and life insurance, group benefits
ADDRESS580 Pembina Hwy #4, Winnipeg, MB R3M 2M5
CONTACT DETAILS(204) 474-1277
OPERATING HOURSMonday – Friday: 9:00 AM – 5:00 PM

Castle Mortgage Group offers the best mortgage brokers to find you the lowest rates not only in Winnipeg but also in the whole province. The firm helps from the pre-approval process up to closing the deal.

It also has in-house real estate lawyers who’ll handle and close the transaction, making sure that everything goes as smoothly as possible. Castle Mortgage can also cater to more clients at a time because it has almost 50 mortgage brokers.

Additionally, Castle Mortgage Group aids its clients even after purchase because it also offers home insurance and savings planning. It even offers services in securing life, critical illness, health, and disability insurance plans.

To make everything easier for its clients, Castle Mortgage even has an online application form on its website. It also has online mortgage calculators.


  • Additional home insurance brokerage services
  • Connections with real estate lawyers
  • 49 mortgage brokers
  • Province-wide mortgage lender connections


  • Additional fees for legal services
  • Some complaints about a lengthy pre-approval process

Customer Reviews

Homebuyers and realtors alike have found Castle Mortgage to be informative, compassionate, and collaborative. Here are some reviews:

“Raechelle Mudray is the BEST! I’m a Realtor with Royal LePage Dynamic and Raechelle and I have been collaborating on deals together for 7 years. She is always on top of things! I appreciate how professional, knowledgable, and dedicated she is to serving her clients in a way that benefits THEM best. My clients always feel so comfortable and happy with her service; and you will too. A++”—Heather Kelly

“My girlfriend and I were ready to buy a home but had no idea where to start. We knew we needed a professional to guide us in the direction that made sense for us. We found Luke Meadows Birch and honestly we could not be happier that we did. We were able to relax during the process of finding a home and just focused on finding that perfect house. Any questions we had (and there were a lot) could be answered any time and he really helped us to feel confident that we could do this! If your looking for a mortgage specialist Luke Meadows Birch is the guy you need on your side! Thanks Luke!!”—Andrew Warelis

3.   One Link Mortgage & Financial

One Link Mortgage & Financial's Homepage
BEST FOR   Transparent and updated mortgage rates
SERVICESMortgage brokerage, mortgage renewal, refinancing, financial planning
ADDRESS99 Scurfield Blvd, Winnipeg, MB R3Y 1Y1
CONTACT DETAILS(204) 928-7722
OPERATING HOURSMonday – Friday: 9:00 AM – 5:00 PM

One Link Mortgage and Financial provides not only competitive rates but also the best mortgage terms. To maintain transparency, it also posts the latest mortgage loans on its website.

The company has 30 mortgage brokers in Winnipeg alone and connections with hundreds of banks, monoline lenders, and credit unions. One Link Mortgage is also a part of numerous real estate and business organizations.

Besides helping clients secure mortgage loans for home purchases, One Link Mortgage also offers its services for refinancing and loan renewals. With these services, clients can get better loan rates years after their mortgage loans.

Another great thing about One Link is that it has an online mortgage calculator. Clients can also gain more insight on mortgage loans through One Link Mortgage’s informative articles.


  • Connection with hundreds of lenders
  • Best mortgage terms
  • Transparency for mortgage rates
  • Award-winning company


  • Some instances of additional fees

Customer Reviews

Most customers have also claimed One Link Mortgage to be excellent at communicating, just as these reviews will tell you:

“Blair Graff @ One Link Mortgage & Financial, was excellent to work with as we renewed our mortgage/refinancing. With the Covid-19 days making everything much more difficult, Blair made it easy.  He heard our desires and worked with us to make it happen, bringing his wealth of experience and natural care for people through the whole process.  We highly recommend him!”—Gwen Foord

“We recently worked with Neil Hamilton to secure our first mortgage.  Neil is extremely knowledgeable, and was able to answer all of our questions in detail.  He was always very prompt with communication, especially through e-mail.  Highly recommend Neil if you are looking for a professional mortgage broker.”—Ryan Sokoloski

4. The SPOONER Group

The Spooner Group
BEST FORCustom Mortgages Options
SERVICESPurchase Financing, Commercial Purchases, Refinancing, Equipment Leasing, Mortgage Switches
ADDRESS278 Marion Street,
Winnipeg, MB R2H 0T1
[email protected]
OPERATING HOURSContact for more information

Established in 2016, The Spooner Group is an award-winning mortgage brokerage with a team whose collective experience in real estate, law and mortgage financing amounts to over forty years. The diverse skill set each team member possesses, as well as their network of connections, make it possible for The Spooner Group to come up with financial options that best suit their clients’ needs.

If you are looking to purchase a new home, refinance your mortgage, or switch to a lender with a lower rate look no further than The Spooner Group. The team currently consists of 15 agents and every member is highly communicative, professional and will respond to you promptly.

Upon reaching out, you will find that The Spooner Group performs in-depth consultations. This process is what enables them to arrange mortgage options that are always in your best interests.

In addition to prompt communication, The Spooner Group promises excellent customer service and aftercare services, assisting their clients every step of the way to ensure they receive the mortgage, advice and attention they deserve.


  • Custom-fit mortgage options
  • Wide array of mortgage options
  • Large network of connections in the field


  • No rates available online

5.   Ron Chan, Mortgage Broker | INVIS Winnipeg

Ron Chan, Mortgage Broker | INVIS Winnipeg's Homepage
BEST FOR   Self-employed mortgages
SERVICESMortgage brokerage, mortgage renewal, refinancing,
ADDRESS2310 Pembina Hwy, Winnipeg, MB R3T 2H3
CONTACT DETAILS(204) 290-9950
OPERATING HOURSMonday – Saturday: 7:00 AM – 9:00 PM

Ron Chan is probably the best mortgage broker in Winnipeg for self-employed and first-time home buyers.  Additionally, Ron Chan has an online mortgage calculator for convenience.

He is also a part of the bigger company, INVIS Winnipeg, which has connections with numerous mortgage and home insurance providers. With its numerous connections, it also receives updated and short-term rate promotions that he shares with his clients.

Clients who plan on moving before they’ve paid their loans for their current house can also approach Ron Chan for mortgage transfers.  This mortgage broker also helps with equity and debt consolidation, thanks to Ron’s expertise and years in the industry.

The best thing about Ron Chan’s services is that he also helps his clients improve their credit scores. Thus, his clients will have improved chances the next time they look for mortgage loans.


  • Caters to mortgage transfers
  • Mortgage for self-employed and first-time buyers
  • Additional home insurance services
  • Access to short-term rate promotions


  • Relatively higher rates
  • Solo practitioner

Customer Reviews

Despite having a lot of clients, Ron Chan still delivers personalized services. Here are some reviews to tell you more:

“Ron is an incredibly smart, helpful and patient Mortgage Broker! We trusted him the moment we met him, and knew we made the right choice to work with him. He shared a lot of personal experience and helpful information in our first meeting, never making us feel rushed or over our heads. He gave us full confidence in buying our first home and was quick to answer questions by both phone and email. We are so happy that we met Ron, and look forward to working with him for all our future mortgage-related needs!”—Heather McKie

“Ron shepherded us to a significantly better mortgage rate than our bank was prepared to give, even after 15 years of being a loyal customer. He was quick and clear in his communications, provided a secure method for providing documents, and ended up getting an even better rate for us than originally projected. Made the process of shifting our mortgage relatively simple. Very happy with Ron’s work on our behalf.”—Miles MacFarlane

6.   Peter Paley & Associates – Dominion Lending Centres

Peter Paley & Associates - Dominion Lending Centres' Homepage
BEST FOR   Wide variety of services
SERVICESMortgage brokering, mortgage renewal, refinancing, investment planning, life insurance mortgages
ADDRESS278 Marion St, Winnipeg, MB R2H 0T7
CONTACT DETAILS(204) 227-2744
OPERATING HOURSMonday – Saturday: 9:00 AM – 9:00 PM

Peter Paley & Associate helps its clients close everything from simple and affordable homes to more expensive and high-value vacation homes. It even offers short-term mortgages as short as six months.

For its mortgage applications, it offers two options: its online platform or file submission. This company also helps its clients get reasonable rates for insurance loans.

It also has access to private mortgage lenders. So, clients looking for short-term loans for their industrial, commercial, or construction start-up projects can also benefit from Peter Paley & Associates.

Since it has all-around financial experts, Peter Paley & Associates also offers investment and retirement planning to its customers. It also has connections with various realtors to help its clients find a home that fits both their taste and their mortgage loan preferences.


  • Access to private mortgages
  • Suitable for short-term mortgages
  • Additional services like investment and retirement planning
  • Award-winning company


  • Has stronger ties with some of its lenders
  • Relatively fewer mortgage brokers in the team than others

Customer Reviews

The firm’s informative and efficient nature keeps customers satisfied with its services. Here are reviews from customers claiming that Peter Paley & Associates has the best mortgage broker in Winnipeg.

“When we came into the opportunity to buy the property we were renting we didn’t think it was possible.  I decided to give Peter a call and he was able to help us make owning a home reality.  From the initial meeting through to the close, everything was made clear and Peter was there almost instantaneously to answer any questions during the process.”—Rob Brown

“Peter is efficient and kind! We enjoyed our entire experience with him from start to finish. He kept us informed, ensured the best rate and always had great advice. If you want to save time and money he’s the man!”—Jessica Keus

7.   Ideal Mortgage Solutions

Ideal Mortgage Solutions' Homepage
BEST FOR   Nationwide lending connections
SERVICESMortgage brokering, refinancing, mortgage renewal, debt consolidation
ADDRESS739 Waterloo St, Winnipeg, MB R3N 0T3
CONTACT DETAILS(204) 488-2416
[email protected]
OPERATING HOURSMonday – Friday: 8:00 AM – 6:00 PM
Saturday: 12:00 PM – 5:00 PM

Ideal Mortgage Solutions offers great-value mortgage rates because it has connections with various lenders from all over the country. It has a fast online application form, a mortgage calculator, and an updated list of mortgage rates for convenience.

What makes its application form unique is that it also offers the option of choosing a specific mortgage broker. So, clients can specifically request whomever their close friends have recommended.

It caters not only to home buyers but also to investors looking to construct buildings of all sizes. Additionally, Ideal Mortgage Solutions also caters to commercial clients and guarantees flexible terms and fast approval for loans.

This company also has debt consolidation services that help clients who have with numerous debts from various lenders organize their transactions.


  • Applicable for commercial and construction clients
  • Offers ability to choose a mortgage broker
  • Fast approval
  • Nationwide lender connection


  • Relatively smaller mortgage broker team

Customer Reviews

Ideal Mortgage Solutions is also well-known for its informative and patient customer services. These reviews are from a few of Ideal’s customers:

“Chad and his team made purchasing our first home so easy. On top of getting us a great interest rate, he provided so much information while answering all of our questions. Even if we were hard to keep in contact with due to our work schedules, they made sure they relayed all necessary information to us. I would highly recommend dealing with Chad and his team for such a huge purchase, they are phenomenal!”—Leslie Quintos

“Chad and the team at Ideal Mortgage Solutions are absolutely awesome. They are very patient and take time to address any questions and concerns. This was my first home purchase and they made it super easy, walking me through every step of the process, and got me a great interest rate on my mortgage. I highly recommend using their services.”—Adam Walker

8. Paul Dueck Mortgages

BEST FORHome Finance
ADDRESSCastle Mortgage Group, 4-580 Pembina Hwy., Winnipeg MB R3M 2M5
[email protected]

Paul Dueck is a mortgage broker with years of experience in the field. Currently, he is working with Castle Mortgage Group, a firm that gives him access to plenty of lenders willing to offer loans at some of the lowest rates imaginable.

Choosing Paul Dueck as your mortgage broker means saving time since he can do the search for loans for you. Not only that, but he can also give unbiased opinions regarding lenders, making things easy for clients to figure out which lender suits them both.

Paul will also be doing the negotiating on your behalf. Oftentimes, he can acquire competitive rates for you, alongside tons of freebies, which can include retail points programs, discounts on appliances, shopping clubs, and more.

Lastly, Paul Dueck does the math for you, overall making the experience of finding a lender for your home or property finance seamless and stress-free.


  • Prompt and professional broker
  • Highly communicative
  • Has extensive knowledge on the field
  • Can find the best financing options available in the market


  • No rates available online

9. Shirl Funk

BEST FORHighly detailed mortgage transactions
ADDRESS931 Unit 3 Nairn Ave
Winnipeg, Manitoba
R2L 0X9
Tel:(204) 479-4316
Cell:(204) 371-9224
Fax: (204)480-4331

[email protected]
09:00AM – 08:00PM
Sat 09:00AM – 04:00PM
Sun Closed

Next on our list is Shirl Funk, a mortgage broker whose financial career first began by working for a large mortgage broker firm. Several years later, she branched out on her own to established Shirl Funk Mortgages (powered by The Mortgage Center).

Shirl Funk Mortgages is Shirl’s way of providing the best mortgage products to her clients. She is very clear with her services, breaking down every single option so that her clients know what they’re getting should they choose it.

Aside from being very thorough, Shirl is also very professional. She’s personable and prompt, striving to get back to clients immediately when they reach out to her to learn more about her services.


  • Communicative and professional broker
  • Prompt responses
  • Large network of connections


  • No rates available online

10. Castle Mortgage Group – Jason Kilborne

SERVICES Mortgage pre approval
Mortgage financing
Mortgage renewal
Mortgage refinancing
Home equity line of credit
Investment / rental property
Vacation home / cottage
Separation / divorce mortgages
Car payment reduction
ADDRESS100-1345 Waverley St
Winnipeg, MB
R3T 5Y7
[email protected]
OPERATING HOURSMonday – Friday, 9:00 AM – 5 PM

Castle Mortgage Group, based in Winnipeg, is a reputable mortgage brokerage that offers comprehensive services to help clients find the best mortgage deals tailored to their specific needs. Led by Mortgage Specialist Jason Kilborne, the company prioritizes understanding clients’ financial plans and goals to match them with the right mortgage product.

One of the standout features of Castle Mortgage Group is their commitment to providing personalized service. Kilborne emphasizes the importance of considering more than just the lowest interest rate when choosing a mortgage. He takes into account factors such as credit strength, current and future financial situations, and home purchasing plans to ensure clients save the most money in the long run.

As a Mortgage Specialist, Kilborne works for the client’s best interests, free from sales quotas or incentives tied to specific products. The company’s affiliation with TMG – The Mortgage Group allows them to access a wide range of mortgage lenders, including banks, credit unions, monoline lenders, trust companies, alternative lenders, and private lenders. This extensive network enables them to filter through various options and present clients with the best deals available.

Castle Mortgage Group offers a range of services, including pre-approvals, purchases, mortgage renewals, refinancing, and mortgages for second homes or vacation properties. Their thorough pre-approval process ensures clients have a clear understanding of their purchasing power, saving time and avoiding disappointment when searching for properties.

Clients who are renewing their mortgage are encouraged to consult with Castle Mortgage Group before committing to their current lender’s offer. The company assesses changing circumstances and long-term goals to ensure the mortgage aligns with clients’ needs and continues to save them money.

With a focus on saving clients money, time, and stress, Castle Mortgage Group provides a valuable service in the mortgage market. Jason Kilborne’s expertise as a Mortgage Specialist, combined with the resources of TMG – The Mortgage Group, positions the company to secure the best mortgage deals for their clients. Whether purchasing a home, renewing a mortgage, or considering refinancing, Castle Mortgage Group offers professional guidance and personalized solutions to meet clients’ financial goals.


  • Personalized service tailored to clients’ financial plans and goals.
  • Access to a wide range of mortgage lenders for best deals.
  • Expertise in pre-approvals, renewals, and refinancing to save clients money.


  • Closed on weekends

Customer Reviews

He was very helpful and answered all our questions concerning our mortgage rate and payments

“We moved to Winnipeg from Ontario few month ago and we needed someone professional to help us to find a beautiful house to live in for the next few years. We were introduced to Paul and his team via a friend. The castle team represents among the highest levels of customer service I have experienced. Information was accurate, responses to queries were turned around very fast. Answers were clear and where necessary detailed enough for us to make informed decisions quickly. My husband and I chatted with Paul, He was very helpful and answered all our questions concerning our mortgage rate and payments. We believe he had our interest at heart and found the best mortgage rate for us at a good price. The experience of buying your first home should be smooth and nice, Paul and his team made it better than we ever expected. I will defiantly recommend Paul to my friends in the future. ” – Hiba Al-bayati

Very helpful, patiently knowledgeable, and quick to respond to our questions

“Aaron Brager was referred to us by our realtor, and we are so glad we went with him! He was very helpful, patiently knowledgeable, and quick to respond to our questions. We would use him again and recommend him to anyone else in need of a mortgage broker. I cannot express enough how happy we were with his services.”  – Jonathan Niemczak

Frequently Asked Questions about Mortgage Brokers

We hope our list helps you hire the best mortgage broker in Winnipeg for you and your family’s needs. Once you’re able to choose one, just call them up and set up a meeting to determine if you can work together effectively.

If you’re still bothered by your credit score, you can learn more about how you can manage your money with the best financial advisors in Winnipeg. With these financial experts, you’ll certainly look forward to a bright and stable future ahead.