If you’re searching for the top Winnipeg brands in personal and business finance, Comparewise has partnered with some of the best. Winnipeggers can select from services such as debt consolidation, insurance, loans, investments, mortgages, and so much more.
Utilizing service providers familiar with your region ensures you enter into agreements relevant to your province's regulations.
If you're looking for a Winnipeg brand that offers excellent mortgage products, Equitable Bank should be your first port of call. While Equitable Bank services all of Canada, Winnipeggers can access their services online. The best part about this leading mortgage provider is that its team knows that not everyone is the same.
As a result, Equitable Bank offers customized mortgages and alternative solutions based on your personal circumstances. Finding a Winnipeg brand to accept your mortgage application when you have no credit score is near impossible. However, the mortgage experts at Equitable Bank will work with you to determine the solutions available. And they'll do their utmost to make your homeowning dreams come true.
The financial institution’s mortgage product range also includes alternatives such as fixed- and adjustable-rate mortgages. A Home Equity Line of Credit (HELOC) is also available to qualifying homeowners. You can carry out the entire application process online, no matter the mortgage product you're interested in.
If it’s hassle-free savings and investment products you’re after, Moka is the Winnipeg brand you’re after. In fact, Moka is a mobile app that allows you to save and invest without even realizing it. When linked to your bank, it rounds up every transaction you make and places the excess in an account of your choosing.
This Winnipeg brand’s savings and investment options include a tax-free savings account (TFSA). Here, Moka invests your savings with the potential of high-interest returns, which are tax-free. While its registered retirement savings plan (RRSP) offers a long-term investment opportunity for your retirement.
Moka also offers users cashback perks on certain purchases through the app. And they have a referral program in place which allows you to earn $5 for every user you successfully refer to the service. You can even set up an option to donate your rounded-up change to a cause you're passionate about.
Debt is an ugly reality that almost all of us deal with. Some to a greater degree than others. Our salaries never seem to keep up with inflation. And most of us eventually have to have to open lines of credit or take out loans with high-interest rates. And when your debt becomes overwhelming, it’s time to consider a debt consolidation service.
Consolidated Credit Canada is one such Winnipeg brand, offering comprehensive debt consolidation services to Canadians in need. The company’s mission is to help Canadians manage their finances, pay off their debt, and improve their credit scores. They’ll even help you get out of debt quicker with their simple solutions.
There are several benefits to registering with Consolidated Credit Canada to consolidate your debt. This Winnipeg brand could help you reduce your money debt payment by 30% to 50%. And they have the means to ensure you pay your debt off faster, sometimes up to half the time. The company's credit counsellors can assist you in working through your debt. And the first consultation and evaluation with Consolidated Credit Canada are absolutely free.
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It's best to consult with both to see what your options are. The advantage of working with a mortgage broker is that you have access to multiple different lenders and mortgage interest rates. This allows you to shop around for a lower rate. However, suppose you can obtain a mortgage through your bank. In that case, the approval process will be far quicker and easier. Your bank may also be able to offer you a competitive rate.
Simply seeking counselling will have no effect on your credit score whatsoever. But should you register with a debt management program, it will be reflected on your credit report. The same applies if you file for bankruptcy or a consumer proposal.
You can withdraw funds from your registered retirement savings plan (RRSP). However, the premature withdrawal will result in heavy taxing on the amount withdrawn. That said, you can withdraw a limited amount of funds for your first home purchase or continued adult learning without penalty. For the homebuyer, you can withdraw up to $35,000. And when it comes to lifelong learning, $10,000 per year, up to a maximum of $20,000, can be withdrawn. However, in both instances, this would be considered a loan, resulting in regular repayments to the RRSP.