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Winnipeg · Manitoba

Strategy over guesswork.

Winnipeg’s most trusted mortgage planning team  engineering smarter mortgages for families, professionals, and investors across Manitoba.

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5.0 · 50+ reviews

  • Top 1% Brokers Canada

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Manitoba families served
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Funded across MB
$ 0 B
Lender partners
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Average client rating
0 ★

Trusted partners

50+ Canadian lenders. One trusted broker.

We shop the entire Canadian market  big banks, monolines, credit unions and specialty lenders  to land the right mortgage for you.

SScotiabank
BBMO
FNFirst National
CCMLS Financial
EEquitable Bank
HTHome Trust
MManulife Bank
DDesjardins
TTD Bank
STStrive
RRadius
MXMerix
AAveo
SLSunlife
WOWealth One
VVWR
B2BB2B
BWBridgewater
CTCommunity Trust
HHaventree
NFNeo Financial
MCMcan
GGinkgo
FLFarm Lending
SScotiabank
BBMO
FNFirst National
CCMLS Financial
EEquitable Bank
HTHome Trust
MManulife Bank
DDesjardins
TTD Bank
STStrive
RRadius
MXMerix
AAveo
SLSunlife
WOWealth One
VVWR
B2BB2B
BWBridgewater
CTCommunity Trust
HHaventree
NFNeo Financial
MCMcan
GGinkgo
FLFarm Lending
SScotiabank
BBMO
FNFirst National
CCMLS Financial
EEquitable Bank
HTHome Trust
MManulife Bank
DDesjardins
TTD Bank
STStrive
RRadius
MXMerix
AAveo
SLSunlife
WOWealth One
VVWR
B2BB2B
BWBridgewater
CTCommunity Trust
HHaventree
NFNeo Financial
MCMcan
GGinkgo
FLFarm Lending
SScotiabank
BBMO
FNFirst National
CCMLS Financial
EEquitable Bank
HTHome Trust
MManulife Bank
DDesjardins
TTD Bank
STStrive
RRadius
MXMerix
AAveo
SLSunlife
WOWealth One
VVWR
B2BB2B
BWBridgewater
CTCommunity Trust
HHaventree
NFNeo Financial
MCMcan
GGinkgo
FLFarm Lending

Successfully Approved

Let's get you approved next.

Why Team JV

We don't sell mortgages. We engineer them.

Most brokers shop a rate. We architect a complete mortgage strategy structured around your life, your goals, and the Winnipeg market you’re buying into.

Buying power optimization

Squeeze every dollar out of your approval legally and strategically.

Lender-neutral advice

We work for you, not the bank. 50+ lenders compete for your business.

Lifetime planning

Renewals, refinances, investment growth we stay with you for decades.

Built in the heart of Manitoba

We know every street,
because we live them too.

  • The Forks · Fall
  • Tuxedo · Winter
  • Sage Creek
  • Exchange District

Stories from home

Trusted by Winnipeggers.

M Nazrul Islam

"Working with Jaspreet as our mortgage broker was an exceptional experience that exceeded my expectations. He took the time to understand our financial goals and offered personalized advice, making the process smooth and stress-free. "

Sourabh sharma

Good experience with Varinder, he is very professional & helpful for fulfilling any kind of Mortgage need or advice

G Bassi

"I had a very positive experience working with Jaspreet. He explained everything clearly and guided me through each step of the process. Communication was smooth, and he secured a competitive mortgage rate for me."

Paulette Edwards

The communication, professionalism and efficiency throughout the whole process was above and beyond. We are now proud homeowners. Thanks Varinder.

Randy Carriere

"We had a fantastic experience working with Jaspreet throughout our mortgage process. From the very beginning, he was incredibly helpful, patient, and knowledgeable."

Fasikaw Haile

"Working with Jaspreet was an amazing experience. Honest, professional, and truly dedicated. When everything looked impossible, he made it happen and got us approved with the best rates. We are so grateful and recommend him to everyone! "

Juan Carlos Gualsaquí Vivar

Best Mortgage professional agent by far. Honest and trustworthy. Varinder was the best! He was very patient and helped me resolve all my concerns about the mortgage, he made the whole process very smooth. I would definitely work again and would recommend Varinder to anyone needing an excellent mortgage professional agent.

Aly Bauer

"Jaspreet has exceptional work ethic and service. We contacted Jaspreet with less than a month left upon renewal and around 3 weeks after handing in all the documentation needed. Jaspreet went to the market found the best rates available and from there made sure the process was simple for us."

Bilal Farooq

It was good experience with him by the processing the mortgage, they provided us complete information regarding documentation. I would say he done good job.

Himanshu Sharma

"I had an excellent experience working with Jaspreet as my mortgage advisor and Planner. He guided me through the entire process with professionalism and patience, making everything clear and easy to understand."

Manpreet Kang

Bestest Service in the city. No drag no hassle. Quick and best results. Must go for this guy.

Harjot Kang

"Outstanding service from start to finish! Jaspreet was incredibly knowledgeable, patient, and always quick to respond to my questions. He made the entire mortgage process smooth and stress-free and found me a great rate. Highly recommend!"

M Nazrul Islam

"Working with Jaspreet as our mortgage broker was an exceptional experience that exceeded my expectations. He took the time to understand our financial goals and offered personalized advice, making the process smooth and stress-free. His knack for clarifying complex mortgage details was especially helpful for a first-time homebuyer like us."

Marcus W.
Investor · St. James

"My HELOC strategy from JV unlocked a second property. They think like investors, not order-takers."

Ready to write your own story?

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Free 15-min consultation · No obligation

What we do

Mortgage solutions for
every chapter.

Whatever stage you are at first keys, next move, or growing a portfolio, we have a strategy built for it.

Solutions
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Lenders
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Pre-approval
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01

First Time Home Buyers

Government incentives, RRSP strategies, and a roadmap to your first Winnipeg home.

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02

Buying Your Next Home

Bridge financing and equity strategies to move up without missing a beat.

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03

Separation and Divorce

Compassionate, expert guidance to restructure your mortgage during life transitions.

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04

Refinancing Your Home

Unlock equity, consolidate debt, or restructure for a stronger financial future.

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05

Renewals and Transfers

Don’t auto-renew. We re-shop your mortgage to save you thousands at renewal time.

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06

Rental Properties

Scale your investment portfolio with rental-friendly lender strategies across Manitoba.

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07

Purchase Plus Improvements

Roll renovation costs into your mortgage and turn a fixer-upper into your dream home.

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08

Vacation and Secondary Homes

Specialized financing for cottages, lake homes, and weekend escapes across the country.

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09

Home Equity Line of Credit

Flexible access to your home’s equity for renovations, investments, or life’s opportunities.

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Learn More
Get Pre-Approved Today

Fast · Free · No credit pull required

  • Licensed in Manitoba · FSRA / MBLAA compliant
  • Pre-approval in as little as 24 hours
  • 100% confidential · PIPEDA-compliant

Open to Canadian residents 18+. Subject to lender approval and credit review. O.A.C. E.&O.E.

  • Proudly Winnipeg-based
  • MBLAA Licensed Brokerage
  • Top 1% Brokers in Canada
  • 100+ Manitoba families
  • 5.0★ on Google
  • 256-bit SSL · PIPEDA secure

About Team JV

Your trusted
mortgage planners in Winnipeg.

Team JV led by Varinder Sekhon and Jaspreet Sidhu is a Winnipeg-based mortgage planning team proudly part of AKAL K2 Mortgages. We guide families, professionals, and investors home with strategy-first advice, lender-wide access, and a personal touch.

Guiding you home. Building better futures.

Personalized Solutions

Mortgage strategies tailored to your life not a template.

Expert Guidance

Two licensed planners. 50+ lenders. One dedicated team.

Local Commitment

Proudly serving Winnipeg & families across Canada.

Meet Team JV

Proudly serving

Winnipeg & across Canada

FAQ

Mortgage answers for
your next chapter.

Real questions from Winnipeg buyers in their 20s and 30s, first homes, refinances, and rental properties.

First-time buyers

For homes under $500,000, the minimum is 5%. Between $500K–$1.5M, it’s 5% on the first $500K and 10% on the rest. Under 20% down, default insurance (CMHC, Sagen, or Canada Guaranty) applies. First-time buyers can also tap the FHSA (up to $40K tax-free), RRSP Home Buyers’ Plan ($60K), and the First-Time Home Buyers’ Tax Credit.

First-time buyers

Most A-lenders look for 680+, but we’ve placed clients with scores in the low 600s through alternative lenders. More important than the number is the story behind it — recent late payments, high utilization, or thin credit can often be fixed in 60–90 days with a quick plan.

First-time buyers

Pre-approvals typically hold for 90–120 days, and yes your rate is held during that window. If rates drop before you close, we re-shop and pass the lower rate along. If they rise, you’re protected at the original quote.

Refinancing

It depends on three things: your prepayment penalty (IRD vs. 3-month interest), the rate gap, and how long you have left in the term. We run a free break-even analysis if you don’t recover the penalty within 18–24 months through interest savings, we’ll tell you to wait.

Refinancing

Yes. You can refinance up to 80% of your home’s current value and roll credit cards, car loans, or lines of credit into one lower mortgage payment. For many young families, this frees up $800–$2,000/month in cash flow  but only when paired with a plan to stay debt-free going forward.

Refinancing

A refinance replaces your mortgage with a new one (usually at a lower rate, fixed payment). A HELOC is a revolving line secured by your home flexible, interest-only minimums, but at higher variable rates. For renovations or investing, we often recommend a hybrid: smaller mortgage + HELOC for flexibility.

Investment

Most lenders require 20% down on a rental (or 25% on multi-units). They’ll add 50–80% of projected rental income to your qualifying income, and stress-test you at the higher of your contract rate +2% or 5.25%. Owning your principal residence first makes the math significantly easier.

Investment

For buyers in their 20s and 30s, this is one of the smartest plays in Winnipeg. Live in one unit, rent the other, qualify with only 5–10% down (owner-occupied multi-unit programs), and let the tenant cover most of your mortgage. We’ve helped dozens of clients build their portfolio this way.

Investment

Absolutely. We refinance or add a HELOC against your principal residence to fund the down payment on rental #1. The interest on the borrowed portion is tax-deductible when used for investment. This is the most common path for young investors who don’t have $80K sitting in cash.

Quick Calculators

Run the numbers in seconds.

Estimates only based on current Canadian lending rules.

CAD
13.5% $60,750

* 30-yr available only for insured mortgages (CMHC surcharge +0.20% applied)

Mortgage required $389,250
CMHC premium $12,067
Total mortgage $401,317
Est. monthly payment —
Contract rate (for payment) —
%
CAD
/mo
CAD
%
Max home price —
Max mortgage —
Est. monthly payment —
Stress-test rate 6.79%

Based on Canadian GDS 39% / TDS 44% guidelines and stress test (contract rate + 2% or 5.25%, whichever is higher).

CAD
%
%
CAD
yrs
Monthly savings —
Break-even point —
5-year net benefit —

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Your next chapter

Let's get you the keys to your
Winnipeg story.

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