Your Path to the Perfect Home with a Trusted Mortgage Broker in Winnipeg, MB

Looking to buy your dream home? Laurie Boudreau is here to help. Our expert mortgage brokers in Winnipeg, MB make buying, refinancing, or investing in a home simple. Let us find the right loan for you and guide you on your path to homeownership.

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Home Mortgages

Made Easy With Laurie Boudreau

Choosing the right home is a big decision, and finding the right mortgage doesn’t have to be tough. Laurie Boudreau’s mortgage brokers in Winnipeg, MB are here to help secure the perfect loan for your next home. Let us be your trusted local experts on your path to homeownership.

Find Your Mortgage Officer

Introducing our team leaders, guiding visionaries and remarkable members driving excellence in every endeavor

Laurie Boudreau

Kat Boudreau

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Brianne Jamieson

My partner and I used Laurie as our mortgage broker when buying our first home this past summer. Laurie and her daughter Kat are truly such a blessing during the entire home-buying process. They are so knowledgeable, calming and reassuring. My partner and I were often feeling frantic and unsure of the process or what we needed to do, and Laurie and Kat were so quick to answer our dozens of questions, and they were always so kind and thoughtful in their responses. They kept us feeling confident and secure, and we couldn’t be more thankful.

KURT Remple

I’ve dealt with banks my entire life, but decided to go with a broker this time. I contacted Laurie and she was very appreciative that I did and had no problem at all taking time to answer any and all questions that I had. Her and Kat are both very very approachable and never rushed if you have concerns. They’re a great team and I see a lot of value in having 2 sets of eyes going over everything. They put my needs over themselves and focused every step of the way. I couldn’t give a higher recommendation. There’s a reason that they’re such successful brokers and you’ll see it when you hire them. It was like schooling for me and after working with them I have a much better level of understanding of how everything works.

Nathan Alix

We were so lucky to find Laurie through Google! From day one, she went out of her way to get us the best rate and lender. Laurie made the whole process feel easy and stress-free, always there to answer questions and explain things in a way that made sense. She’s not just great at what she does—she’s genuinely kind and caring. If you’re looking for a broker who really has your back, reach out to Laurie. You’ll be glad you did!

Marcy Gauthier

I would recommend Laurie to any house buyer! She always has the best rates and makes it easy to get approved without having to fight for the lowest rate. I appreciate her easy going nature and hard work ethic. Thanks Laurie!

Chantell Neff (Nerfy)

Right from the start Laurie made my first time home buying experience as smooth as possible. I felt as though she was very much on my side and did everything she could do make this happen for me. Communication was wonderful. Couldn't have asked for anything better. 10/10 would recommend and I already have.

Your Home, Your Mortgage.

Looking for the ideal home loan? Laurie Boudreau with Castle Mortgage can guide you through a wide selection of mortgages tailored to fit your needs and budget. Whether it’s a Conventional Mortgage, High-Ratio Mortgage with CMHC insurance, First-Time Home Buyer Incentive, or a Home Equity Line of Credit (HELOC), we have the expertise to help you secure the perfect financing for your dream home.

Home Purchase Mortgages

Refinancing Solutions

First-Time Homebuyer Programs

Investor Mortgage Programs

Non-Traditional Mortgages

Home Equity Line of Credit (HELOC)

Down Payment Assistance

Access grants or mortgages through provincial and municipal programs to make homeownership more accessible.

Home Equity Line of Credit (HELOC)

Enjoy a flexible credit line secured by your home equity for various financial goals.

Non-Traditional Mortgages

Find options for self-employed individuals, borrowers with less-than-perfect credit, or those needing creative financing.

Investor Mortgage Programs

Secure financing for rental properties or commercial ventures with customized solutions.

Home Purchase Mortgages

Explore options tailored to your needs, including conventional mortgages, high-ratio mortgages, and flexible fixed or variable-rate terms.

Refinancing Solutions

Unlock opportunities to save with rate and term refinancing or access your home equity for renovations or other needs.

First-Time Homebuyer Programs

Benefit from government initiatives like the Home Buyers’ Plan (HBP) and the First-Time Home Buyer Incentive.

The Boudreau Team Archives

Laurie Boudreau shares how she helps Manitobans secure the right mortgage with expert guidance and personalized support.

About Us

Laurie Boudreau breaks down the home buying process for first-time buyers, making it simple, clear, and stress-free.

First Time Home Buyers Guide

Laurie Boudreau explains the key role mortgage brokers play in finding the best rates, simplifying the process, and advocating for your financial needs.

What’s our Role as Mortgage Brokers

Discover why the Boudreau Team is your trusted partner—offering expert advice, personalized service, and a commitment to securing the best mortgage solution for you.

Why you should choose the Boudreau Team

Frequently Asked Questions

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First Time Home Buyers

What are the requirements for first-time home buyers to qualify for a loan in Canada?

To qualify for a mortgage in Canada, first-time home buyers generally need:

A credit score of at least 600 (higher for better rates).
A steady income and employment history.
A down payment of at least 5% for homes priced below $500,000, and 10% for the portion above $500,000 up to $1,000,000.
A Total Debt Service (TDS) ratio below 44%.

What programs are available specifically for first-time home buyers in Canada?

First-Time Home Buyer Incentive (FTHBI): A shared equity program that helps reduce monthly mortgage payments.
Home Buyers’ Plan (HBP): Allows withdrawal of up to $35,000 from your RRSP to buy or build a qualifying home.

How much down payment is typically required for first-time home buyers in Canada?

The minimum down payment depends on the home’s price:

5% for homes under $500,000.
10% for the portion above $500,000 up to $1,000,000.
20% is required for homes priced at $1,000,000 or more.

What are the advantages of being a first-time home buyer in Canada?

Access to government incentives like FTHBI and HBP.
Possible savings on land transfer taxes.
Building equity instead of paying rent.
Stable monthly payments with fixed-rate mortgages.

What should I know about the home-buying process as a first-time buyer in Canada?

Pre-approval: Start by getting pre-approved to understand your budget.
Choosing a Realtor: Work with a licensed real estate agent familiar with your area.
Closing Costs: Budget for legal fees, home inspection, appraisal, and land transfer taxes.
Mortgage Insurance: If your down payment is less than 20%, you’ll need CMHC insurance.

Mortgage Types and Options

What are the differences between fixed-rate and variable-rate mortgages in Canada?

Fixed-Rate: Interest rate remains constant throughout the term. Offers stability but typically higher rates.
Variable-Rate: Interest rate fluctuates with the prime rate, offering potential savings but with more risk.

Can you explain the benefits and drawbacks of insured (CMHC) mortgages?

Benefits: Lower down payment requirements (as low as 5%) and access to competitive interest rates.
Drawbacks: Additional cost of mortgage insurance premiums, which are added to your loan balance.

What is a CHMC or government-insured mortgage, and who qualifies for it?

A CMHC-insured mortgage protects lenders if you default and allows borrowers with less than a 20% down payment to qualify. To be eligible, the home’s purchase price must be below $1,000,000, and borrowers must meet income and debt ratio limits.

What are the differences between conventional mortgages and insured mortgages in Canada?

Conventional Mortgage: Requires a down payment of at least 20%, avoiding CMHC insurance.
Insured Mortgage: For down payments less than 20%, requiring insurance premiums.

How do I decide which type of mortgage is best for me in Canada?

Consider your:

Financial stability and risk tolerance (fixed vs. variable rate).
Down payment amount (conventional vs. insured).
Long-term goals, like the time you plan to stay in the home.

Mortgage Glossary

What is APR, and how does it affect my mortgage in Canada?

Annual Percentage Rate (APR) represents the total cost of borrowing, including the interest rate and fees. A lower APR means lower overall costs.

Can you define what a mortgage refinance is and when it might be beneficial?

Refinancing replaces your current mortgage with a new one, often with better terms. It’s beneficial when interest rates drop or if you want to consolidate debt.

What does Mortgage-to-Value (LTV) mean?

LTV is the ratio of your mortgage loan to the home’s appraised value, expressed as a percentage. A lower LTV indicates less risk for the lender.

Explain the difference between pre-qualification and pre-approval.

Pre-qualification: An estimate of how much you can borrow based on informal data.
Pre-approval: A formal process involving credit checks and verification of financial documents to confirm the loan amount you’re eligible for.

What is PMI (Private Mortgage Insurance), and when is it required in Canada?

In Canada, PMI is referred to as CMHC insurance and is required when the down payment is less than 20%.