Top-Rated Winnipeg Mortgage Broker with One Link Mortgage & Financial. Independently owned and operated.

June 21, 2021

09:00 AM – 06:00 PM

Monday to Friday

99 Scurfield Boulevard

Unit 100, Winnipeg MB R3Y 1Y1

Call: 204-296-5722

winnipeg mortgage broker winnipeg

Provide you with uncommon
mortgage solutions for life
that work for you, not your bank.

OUR STRATEGIES

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Winnipeg mortgage broker winnipeg

The right debt strategy saves you thousands,
and can help you and your family live
the life you've always dreamed about.
Nothing is more important.

STRATEGY MATTERS

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Wealth Mortgage Winnipeg Broker Richard de Chevigny
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And if you don't have one,
we can provide reccomendations
to some of the best advisors in
the business who will put
your needs first.

WE WORK WITH
YOUR EXISTING
FINANCIAL PLANNER

Owning a home can be puzzling. It can be a resource or it can be draining. It provides a feeling of safety and consistency yet it can also be a source of stress.

Most homeowners view their homes as an investment. Home remains the biggest financial asset for the typical homeowner, who has roughly 50 percent of their wealth tied up there. In the best of circumstances, their home fulfills dreams, helping to pay for college, fund retirement investments, even buy a vacation home. In the worst of circumstances, a home becomes a financial trap, draining resources and requiring hard decisions about whether to stick it out or move on.

We are the only True Mortgage Planners who provide data-driven advice for our clients that not only gets them approved, but gets their mortgage working hard for them and not someone else.

How can we help you with your ....

Winnipeg Mortgage Broker RIchard de Chevigny

Home Purchase

Purchasing a home is often one of the biggest financial transactions in a persons life. Did you know that when you compare the same exact mortgage rate and term, one can still cost tens of thousands more to you over your lifetime?  Whether you have 5% or 50% for a down payment, our advice will give you with the strategies for the greatest long-term wealth.  Period.

Mortgage Renewals Winnipeg Mortgage Broker

Mortgage Renewal

Let me show you how your current mortgage stacks-up to what’s available on the market BEFORE it’s time to renew.  Lenders usually do not give you the best offer unless you’re working with a licensed professional who knows what their lowest offers truly are. It could be the most valuable 15 minutes you’ve ever earned.

Home Mortgage Refinancing Winnipeg Mortgage Broker

Debt Consolidation

Helping to consolidate debt or access your home’s equity can do wonders for your overall well being as well as your bottom line.  Let us help you stop the stress and let us get you back in the black. Our approach will not only save you money, but have you debt-free much faster than you thought possible.

Weath Mortgage Broker Winnipeg Richard de Chevigny

Mortgage Wealth

The need for a truly holistic financial plan has never been greater, and that is why we go beyond the typical rate and term conversation.  With our Total Wealth Mortgage Plan we integrate a long-term debt management strategy with your existing Financial Planner, and as a team we keep you on track to reach your financial goals.

The Mortgage Planning Process

Time is a finite resource.  That’s why, our entire process is about making the most efficient and effective use of your time. The process begins with having a 15 minute suitability call. During this call, we talk about your current financial situation and your goals in the future. We take the time to answer all of your questions and walk you through our process and key mortgage information so you are armed with the information you need to make an educated mortgage decision. By the end of our first call, you will know how much you qualify for and what the estimated monthly payments and closing costs will be.

If after the call is completed, we have both agreed to work together, we can complete an application together over the telephone, through Zoom, or we can provide you with a link to our secure application and a list of the documents that are going to be needed to create your Total Wealth Mortgage Plan and get you started.

The mortgage application process is simple:

Return all Documents

Begin Your Mortgage Plan

What Makes us Different?

As Mortgage Brokers in Winnipeg, our mission is to bring you peace of mind by helping you manage one of the largest indebtedness of your life. We commit to delivering a 5-Star mortgage experience that requires the least amount of disruption to your daily life, all while getting you the best rate and product you qualify for.

From our very first conversation you will know that we provide professional, unbiased advice that goes beyond the typical mortgage transaction.  Our proprietary tools will provide detailed reports that compare all of your mortgage options so you can see how each choice you make can position you in the future.  It’s important for us to create a plan to not only get you into your home, but to pay it off as well.  This is where we can show you ways to pay off your mortgage faster while still using the exact same amount of money.

What really makes us different is, we believe our job begins AFTER you are approved and your mortgage funds.  From that point on, you’ll have peace of mind knowing that, we continually monitor the market and stay in touch to show you how your existing mortgage compares against the market so that you don’t miss opportunities to swap out your existing debt for more affordable sources.

Let’s be honest, sometimes your best option is to remain with your current lender, and if this is the case, we’ll tell you and back it up with real numbers because transparency, integrity and ethics are the foundation of all our relationships.

Frequently Asked Questions

What is a Mortgage Broker?

A mortgage broker is a trained professional that will help you find and get the best mortgage product for your unique situation. They have access to many different lenders from big banks, credit unions, and specialty lenders who offer a variety of loans. Your broker will search the market on your behalf, searching for the best product to suit your needs. (Think of a personal financial shopper who finds you the best deal for your needs.)

What's the difference between a Bank and a Mortgage Broker?

While a bank can only offer you the products they sell, a licensed mortgage professional has the choice of finding the right solution for your unique needs from a multitude of lenders.  We work with the best banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.

Can you match the super low rates advertised on the internet?

Absolutely!  Please keep in mind that those rates typically refer to purchases with less than 20% down and can contain terms and conditions that lenders try to hide from you that can cost you much more money.  We’ll always show you the lowest rates you qualify for and explain the pro’s and cons of each so you can decide which option is right for you.

How much does your services cost?

Working with us is free for 99% of clients because we get paid directly by lenders for finding qualified home buyers.

For the 1% of people where a fee needs to be charged, it is only when the most challenging credit solutions are required, and it’s especially under those circumstances that we can provide value for you.

What is a Pre-Approval?

Despite what many lenders will tell you, there is no such thing as an actual “pre-approval”. Since every final approval is subject to several conditions, one of which is the subject property you are looking to buy, a lender cannot give you 100% certainty of an approval until all the documents have been reviewed AND your property has been selected.  Anyone who tells you otherwise is not being honest with you.

We provide a 100% fully underwritten financial review of all documents so that you can shop with confidence knowing that the only question left, is what house you would want.

What do clients need to do?

There are only 3 things we ask of our clients in order to provide them the absolute best experience.

  1. Complete honesty and transparency.  If you don’t give us the whole picture, we cannot give you the best diagnosis.
  2. Please respond promptly to every request. This is vital to close quickly.
  3. Let us know if something in our process can be improved. It makes it even better for the next client.

Can we meet in person?

No.  We have realized that the very best use of everyone’s time is to provide all of our services remotely.  But just because it’s not in-person doesn’t mean your experience will be impersonal.  We offer Zoom Meetings, every step of the way so we not only see each other, but have the ability to see the application and all the documents together.  We are available for you to book a meeting time that works for you, 365 days a year by going to www.richardd.ca/book.

Best Mortgage Broker Winnipeg Richard de Chevigny

  • Richard went the extra mile to ensure we were completely happy and supported all the way through the home buying and financing process. I had total faith in him at every step, even when it got bumpy and he took the time to explain everything clearly. I knew I could email him anytime and get a response right away, which meant so much in giving me peace of mind when things got hectic! I'd recommend him to anyone without hesitation!

    Kelly Thibodeau
  • Richard went above and beyond to help me secure a mortgage at a fantastic rate! He was always available to answer my questions and made the process very to deal with. I would highly recommend him!

    Dianne Dexter
  • Richard offers real, practical and sensible solutions. He gets very excited when engaging with his clients, which assures you of his passion for his work. We were very happy to work with Richard and look forward doing so again in the future.

    Stacie Padbury
  • Richard found me a mortgage that was an excellent fit for my circumstances. He was personable and unrushed, took the time to ensure I was comfortable with what I was getting into, and followed everything up to ensure there were no loose ends. I would happily recommend him to anyone seeking mortgage broker services.

    John Morrison
  • I would highly recommend Richard to anyone who needs help . He is an amazing guy. He is very helpful and friendly and he really cares for the people he's trying to help. There is no other person I would recommend.

    Marion Alleyn
  • Richard de Chevigny is best that we have him to help with! I recommend you to contact him anytime that he’s wonderful to help and be there anytime! We are satisfied and happy with his helping with us! Thank you 😊 also he has a wonderful humour and cheerful with us! 😎

    Tammy Neiman
  • My husband and I are very grateful for the kind and informative service that Mr. de Chevigny gave us when we wanted to find out all our options for re-mortgaging our house. He patiently explained and clarified everything we inquired about (and more) and helped us find a really great deal that I am confident we would not have found without him. Thanks again to him ... he was the best! I definitely will recommend him whenever I get the chance!

    Brenda Gatien
  • Working with Richard was a pleasure. He worked extra hard to get us the best mortgage we've ever had. We had plenty of questions, in my opinion, and he had a lot of patience and accurate answers and advice. Thanks, Richard, for the great experience and the laughs along the way.

    Jos Gatien
  • I have worked with Richard both as a realtor that has referred him to my clients, as well as for my personal property purchases. Richard is one of the most efficient, knowledgeable, professional and pleasant people I have had the pleasure to deal with over the last few years. He has gone above and beyond the normal scope of mortgage broker duties, time and time again. He truly cares about making his client's process of getting financing for a property easier. Richard lessens the stress of the process as much as he possibly can. He is quick to respond to calls, texts and emails; follows up on things for you even after the process is complete and lets you know he is there for you. His demeanor and expertise allow you to trust him and his abilities. He is at the top of my list of referrals because I know my clients are in good hands!

    Jennifer Donovan-Faubert
  • I highly recommend Richard for anyone looking for a mortgage broker. He was very thorough, professional and friendly not to mention; he got me a great rate and made the entire process very easy and pleasant. He was wonderful to work with.

    Kelly Adamo
  • Knowing Richard for this past week helping me and my mother refinance our mortgage. He was always their when you needed him. He’s quick at responding to your questions. Your not waiting for hours to hear back like from others. I highly recommend Richard as your first resource for financial resources. You will not be disappointed.

    Ronald Sokoloski
  • The best of the best, Richard puts his client's needs ahead of everything else. He's creative and can think outside the box, plus he has the industry contacts to get the job done. He also keeps you completely up to speed throughout the entire process. I would give a 6th Star if that was possible! I highly recommend Richard to anyone wanting a mortgage product.

    Barry Swain
  • Richard helped us get pre-approved in under 24 hours! With his help, my wife and I were in a position to make an offer on a home that we fell in love with.

    Richard always had our best interests in mind and helped my wife and I get a mortgage that worked for our needs and objectives.

    Richard also provided detailed information in a clear and concise manner. It really helped us make an informed decision about the biggest loan we will ever take out.

    Would highly reccomend Richard to friends and family! A 5 star experience overall.

    Richard Bangs
  • Richard was amazing to work with! I would refer him in a heart beat! I actually prefer working online and the process and supports in place made it painless.

    Jino Distasio
  • Richard is very good in understanding client needs and goals. We were impressed with his presentation of mortgage strategies, it was very thorough and he knows so well which areas of the application documents/commitments we need to focus on.
    We strongly recommend his expertise to others.

    Arnold Casaclang
  • Richard is an extremely knowledgable individual in his field. Any questions I had he answered & if he was the least bit unsure he found out & called back with the proper answer in a very short period of time. He was recommended to me & yes I was leary due to a previous bad experience I had BUT after 15 minutes of speaking to Richard, I knew he had my back l, & wasn’t in it for just himself. He is kind, caring & gets the job done. He exceeded my expectations exponentially!!!!! THANK YOU RICHARD
    YOU ARE VERY GOOD AT WHAT YOU DO
    PLEASE STAY IN TOUCH as through this process I gained not just a Professional to call upon in my times of mortgage & home purchases but also a Friend ( Wilbur) ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ 10 STARS

    Jane Porter
  • Richard is an extremely knowledgable individual in his field. Any questions I had he answered & if he was the least bit unsure he found out & called back with the proper answer in a very short period of time. He was recommended to me & yes I was leary due to a previous bad experience I had BUT after 15 minutes of speaking to Richard, I knew he had my back l, & wasn’t in it for just himself. He is kind, caring & gets the job done. He exceeded my expectations exponentially!!!!! THANK YOU RICHARD
    YOU ARE VERY GOOD AT WHAT YOU DO
    PLEASE STAY IN TOUCH as through this process I gained not just a Professional to call upon in my times of mortgage & home purchases but also a Friend ( Wilbur) ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ 10 STARS

    A Google User
  • Very easy to get a hold of and flexible for working customers.
    He took the time to answer every little question I had.
    Satisfied customer.

    Patrick Unruh
  • Richard was nothing short of incredible. He is both kind and meticulous, always taking the time to simplify what can be very complicated financial decisions with care and diligence. Richard has an unparalleled attention to detail and it is obvious that he loves what he does- he is one of the few people in the financial industry that legitimately put our best interests first. Buying a house can be a very stressful situation and we are extremely grateful for Richard’s support and guidance throughout the entire mortgage approval process!

    morgz888 .
  • Richard was nothing short of incredible. He is both kind and meticulous, always taking the time to simplify what can be very complicated financial decisions with care and diligence. Richard has an unparalleled attention to detail and it is obvious that he loves what he does- he is one of the few people in the financial industry that legitimately put our best interests first. Buying a house can be a very stressful situation and we are extremely grateful for Richard’s support and guidance throughout the entire mortgage approval process!

    morgz888
  • Richard was nothing short of incredible. He is both kind and meticulous, always taking the time to simplify what can be very complicated financial decisions with care and diligence. Richard has an unparalleled attention to detail and it is obvious that he loves what he does- he is one of the few people in the financial industry that legitimately put our best interests first. Buying a house can be a very stressful situation and we are extremely grateful for Richard’s support and guidance throughout the entire mortgage approval process!

    A Google User
  • The service and personal attention we received from Richard has been exceptional and beyond what we were expecting..
    Always available to answer our questions and going above and beyond with helpful info as well always checking in to make sure things were moving along smoothly.
    His knowledge and commitment in finding us the best rate, lender etc helped us secure our dream home.
    Richard has been there for us every step of the way. I'm glad we chose his services and would recommend him to anyone buying a home.
    Plain and simple, Richard is the nicest person and the best at what he does.

    Anderson C
  • The service and personal attention we received from Richard has been exceptional and beyond what we were expecting..
    Always available to answer our questions and going above and beyond with helpful info as well always checking in to make sure things were moving along smoothly.
    His knowledge and commitment in finding us the best rate, lender etc helped us secure our dream home.
    Richard has been there for us every step of the way. I'm glad we chose his services and would recommend him to anyone buying a home.
    Plain and simple, Richard is the nicest person and the best at what he does.

    A Google User
  • Richard has been amazing through the process of finding us the best mortgage lender and all the stressful stuff of purchasing a home! I felt comfortable and he made the experience completely stress free. VERY knowledgeable and appreciated that he always checked in on how things were moving along smoothly. Definitely recommend!

    Jessica Sanchez
  • Richard has been amazing through the process of finding us the best mortgage lender and all the stressful stuff of purchasing a home! I felt comfortable and he made the experience completely stress free. VERY knowledgeable and appreciated that he always checked in on how things were moving along smoothly. Definitely recommend!

    A Google User
  • Richard was referred by my realtor. I have zero personal or past connection with him, and we came to him after we'd been given the runaround and we had only 2 days before our offer expired.
    He treated us like we had been life long best friends right from the jump!
    He doesn't stop until the job is done, and didn't try to fit our round peg (our unique & complicated circumstances) into a square hole (the usual mandatory requirements to qualify for a mortgage).
    He clearly loves what he does because he is amazing at it and at times seemed more eager to get me my house than i was!
    10 ⭐

    Katie Freestone
  • Richard was referred by my realtor. I have zero personal or past connection with him, and we came to him after we'd been given the runaround and we had only 2 days before our offer expired.
    He treated us like we had been life long best friends right from the jump!
    He doesn't stop until the job is done, and didn't try to fit our round peg (our unique & complicated circumstances) into a square hole (the usual mandatory requirements to qualify for a mortgage).
    He clearly loves what he does because he is amazing at it and at times seemed more eager to get me my house than i was!
    10 ⭐

    A Google User
  • Richard was the best, he was always there for a quick question, and always provided us with the help we needed. Will highly recommend him, that is for sure.

    Liz Bloodworth
  • Richard was a pleasure to work with, always available to answer our many questions, and going above and beyond with helpful info we didn’t even know we needed. As first-time home buyers, we really appreciated that Richard didn’t ever make us feel like any question was too small or silly. We would recommend him to anyone looking to get the best mortgage for their needs and also have a super friendly, easy person to approach throughout the mortgage approval process.

    Tanya Neuert
  • Richard was amazing to work with trying to get our mortgage ready for purchasing our first home. He was very patient with the many questions we had as well as very quick and knowledgeable with getting everything ready, and following up with us, always striving to get us the best interest rate. I would highly recommend him if you are looking to higher a mortgage broker!

    chelsea zacharias
  • Richard was very easy to deal with, he answered all our questions. Richard replied to my emails very fast. We would like to thank him for everything. Great experience would recommend him. Thanks again Richard.

    Kevin
  • Richard helped me navigate through very complex and difficult mortgage negotiations and final approval. I am sure that without his knowledge and persistence I would not have been able to obtain financing. I would not hesitate to recommend him

    G Bell
  • am self employed and single and it was challenging to find a reasonable mortgage, but even when I had my doubts, Richard did not. He was patient, compassionate and thorough throughout the experience. With Richard's tenacity, I got a great mortgage rate and terms. I am glad I had the good fortune to find Richard to assist me and have no hesitation in recommending him. I thought it couldn't be done but Richard did it!

    Alex Poch-Goldin
  • I have to express how sincerely thankful I am for having Richard secure my mortgage. He was super helpful, attentive, resourceful and gave me all the options (went out of the box). I highly recommend Richard should you be thinking of obtaining a mortgage when you are ready to purchase one of the biggest most important investments in your lifetime!

    Maria Ana Sanchez
  • Richard is amazing; a real dream to work with.
    He updates you very regularly, actually daily, keeps you very informed of the steps involved and answers every question, (even the ones that you hesitated to ask)
    He is very professional at all times; and yet he is kind and caring and makes sure you are comfortable with every step of the process. He makes the process easy and painless.
    I don't often offer reviews, but in this case, I do... call him first for a great result.

    Heather Maines
  • Great communication before, during and after purchase. Great deal. No complaints whatsoever. Highly recommend.

    Mikhail Maharajh
  • Richard is simply put the best. He accomplished what no one else could and was there every step of the way. To ANYONE looking for a mortgage Richard is the way to go. You will not regret it

    Gen Genaille
  • I was referred to Richard de Chevigny by my financial adviser and I'm extremely pleased with the results. Richard found the best possible mortgage solution for my specific requirements and situation. The entire process from start to finish with Richard was professional, thorough and stress free! I would definitely recommend his services! Great experience overall.

    Marg Anderson

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You can reach us by telephone at 204-296-5722.  We always strive to answer the phone unless we are already engaged with another client.  If you would like to specify the best time for me to call you, please click here to schedule a call at a convenient time, or if you prefer, you can complete the form below.

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