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Mortgage rates in Winnipeg can change fast—secure yours up to 120 days (lender rules vary). Whether you’re buying, renewing, or refinancing, we’ll ensure a competitive rate matched to your future plans. Don’t wait—your savings journey starts now!
Best Mortgage Rates in Winnipeg
5-Year Fixed*
0.26
%
5-Year Variable*
0.28
%
(Most Banks’ Prime Rate: 6.95%)
Shop 65+ lenders in one place. Save time and money today!
*Rates shown are for informational purposes only and are subject to change without notice. Please contact Genesis Group for the most up-to-date rates and terms.
Genesis Group is not liable for any discrepancies or inaccuracies in the displayed rates.
Rates last updated: 04/17/2025, 09:28 AM UTC
Compare the Best Mortgage Rates in Winnipeg
| Mortgage Term | Rates From | Payments | |
|---|---|---|---|
| 6 Month Fixed | 2.99% | $2,368/mo | |
|
Rate Range: 2.99% - 5.50% |
|||
| 1 Year Fixed | 5.79% | $3,157/mo | |
|
Rate Range: 5.79% |
|||
| 2 Year Fixed | 4.84% | $2,876/mo | |
|
Rate Range: 4.84% |
|||
| 3 Year Fixed | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
|||
| 4 Year Fixed | 4.59% | $2,804/mo | |
|
Rate Range: 4.59% |
|||
| 5 Year Fixed MOST POPULAR | 3.99% | $2,627/mo | |
|
Rate Range: 3.99% |
|||
| 5 Year Open | 4.95% | $2,908/mo | |
|
Rate Range: 4.95% |
|||
| 5 Year Variable | 4.45% | $2,736/mo | |
|
Rate Range: 4.45% |
|||
*Disclaimer: If you don’t meet the requirements for our lowest advertised rates, don’t worry—Genesis Group has a wide range of competitive mortgage options to suit your needs! The rates displayed above represent realistic options if the outlined criteria aren’t fully met. Factors such as your credit score, down payment amount, and property details may impact your final rate. We’re dedicated to finding the best-possible solution for your unique situation.
Additional fees or premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending options.
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Mortgage Rates Winnipeg – The Genesis Group
Find the Best Mortgage Rates in Winnipeg with Genesis Group
In Winnipeg, finding an excellent mortgage rate can lead to huge savings. With over 12 years of industry experience and multiple awards, our Genesis Group team specializes in helping you cut costs. Many of our clients see savings of more than $3,000—and sometimes even $15,000 or beyond, depending on their unique situation.
Because of our high-volume deals, we can negotiate special discounts, even if you currently bank elsewhere. Our rates often land about 0.20% lower than the big banks and many competitors.
Why Choose Genesis Group?
Whether you’re a first-time homebuyer, planning to buy a cottage by the lake, or looking to refinance or renew, our award-winning brokers have:
- Access to 65+ lenders—all in one place.
- Tailored solutions for your homeownership goals.
- Expert guidance to save you time, money, and stress.
Complex Mortgage Needs? We’ve Got You Covered
Not every mortgage fits a traditional mold. If you need short-term or flexible financing—say, for debt consolidation or to tap into your equity—Genesis Group can simplify the whole process and find you a better solution. We’re here to handle the unique details so you don’t have to.
What Impacts Your Mortgage Rate?
Your mortgage rate depends on several factors, including:
- Your down payment percentage compared to the overall mortgage size.
- Your credit score and financial history.
- Your purchase timeline and loan type.
We’re here to simplify the process. Our expert agents will explain the details, answer your questions, and help you make informed decisions to save thousands over the life of your mortgage.
Talk to Us Today
At Genesis Group, your success is our priority. Contact us today to discover how we can help you save. Whether you prefer to visit our office, give us a call, or apply online, our team is ready to guide you toward the best mortgage rates in Winnipeg.
Your Path to Financial Freedom Starts Here.
Securing Your Best Rate Is Our Mission
Your Key to the Best Mortgage Rates? Genesis Group’s Expert Brokers.
At Genesis Group, our award-winning brokers are highly trained professionals with access to a wide range of mortgage products tailored to fit your unique needs. We understand how crucial it is to secure the right mortgage—on time, stress-free, and at the most competitive rate.
Got a complex situation? No problem. Our team simplifies even the most intricate details, guiding you every step of the way with personalized service that puts you first.
Experience unparalleled 5-star service today. Whether it’s your first mortgage or a refinance, we’re here to build a savings relationship you can count on for years to come.
Start your journey today—apply online, give us a call, or meet us in person. Need a broker who speaks your language or prefers a Mobile Agent to meet you where you are? Explore our directory to find your perfect match.
Manitoba’s Housing Market: Navigating Challenges & Opportunities with Genesis Group
Winnipeg is one of Manitoba’s largest cities, offering a diverse economy and a comfortable cost of living compared to other big Canadian hubs. But rising demand and slower housing starts can make homeownership tricky, so choosing the right mortgage rate is more important than ever.
In October 2024, Winnipeg’s real estate market saw home sales rise 34% year-over-year and 14% from last month. While still below the 10-year average, neighborhoods like River Heights and St. Vital have shown noticeable boosts. New listings climbed 3.1%, but that hasn’t matched buyer demand, lowering inventory to 3.1 months from 3.9 in September.
Housing Affordability Still a Concern
Winnipeg tends to be more affordable than places like Toronto or Vancouver, but prices have crept up:
- Average home cost rose 3.1% year-over-year to around $350,000.
- Wolseley: Up 4.2%
- Crescentwood: Up 3.8%
- Some suburbs saw small dips near -2.5%.
What’s Next for Winnipeg’s Housing Market?
Experts expect interest rates to gradually drop heading into 2025, which could help with monthly payment relief. Still, many homeowners face mortgage renewals that might strain budgets, and we could see more listings opening up by Spring 2025.
At Genesis Group, we get that every city has its own trends. Whether you’re just starting to look or are renewing soon, count on us for specialized guidance across Winnipeg and beyond.
Source: Sagen Housing Market Updates
Genesis Group: Your Reliable Guide in Winnipeg’s Changing Housing Scene.
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