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Katrina Bernardino

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Canada
Winnipeg, MB
Katrina Bernardino

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Winnipeg-born and mortgage-obsessed since 2019. Turning keys, dreams, and good vibes into reality every day. 🏡✨

I’m your energetic, loyal, and witty Mortgage Matchmaker—guiding you through home financing with clarity, confidence, and zero stress. I'm a passionate Mortgage Broker making your dreams of owning a home a reality. I will go above and beyond for you to ensure a positive and unforgettable client experience. I come equipped with a great personality and witty character to make this journey memorable.

10/30/2026

Halloween is almost here, so let’s talk about the actually scary parts of buying a home 🎃

Is it the mountain of paperwork that somehow needs another signature every five minutes?

The bidding war where you’re trying to stay calm while also really wanting the house?

Or waiting for the inspection results and hoping there aren’t any expensive surprises hiding behind the walls?

Buying a home definitely comes with a few nerve-racking moments, but knowing what to expect (and having the right people in your corner) can make the whole thing feel a lot less scary.

So, which one gets your vote: paperwork, bidding wars, or inspection results?

Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages
📞 (204) 930-3672
✉️ [email protected]
🌐 mortgagesbykatrina.ca

10/29/2026

A lower mortgage rate doesn’t always tell you the full story.

The interest rate is the rate used to calculate the interest you’ll pay on the money you borrow.

The APR (Annual Percentage Rate) goes a step further. It’s designed to give you a broader picture of the cost of borrowing by factoring in the interest rate along with certain applicable fees and charges.

That’s why you might see a mortgage advertised with one interest rate and a slightly different APR.

When you’re comparing mortgage options, looking at the rate is important, but so are the fees, terms, penalties, and flexibility that come with it.

The lowest number on the page isn’t automatically the best mortgage for you.

Comparing mortgage options? Send me a message and let’s look at the whole picture, not just the rate.

Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages
📞 (204) 930-3672
✉️ [email protected]
🌐 mortgagesbykatrina.ca

10/28/2026

What if buying a home meant taking over the seller’s mortgage instead of starting a brand-new one?

That’s essentially how an assumable mortgage works.

If the seller’s mortgage allows it, a buyer may be able to take over the remaining mortgage balance, interest rate, and terms. This can be especially interesting when the seller has a lower rate than what’s currently available.

But it’s not as simple as swapping names on the paperwork.

The lender still needs to approve the new borrower, and the buyer needs to qualify. You’ll also need to account for the difference between the purchase price and the mortgage balance, which could mean bringing a larger down payment or arranging additional financing.

And not every mortgage is assumable, so the existing mortgage terms matter.

If you come across a home with an assumable mortgage, it’s worth looking at the numbers before deciding whether it’s actually a good deal.

Have questions about assuming a mortgage? Send me a message and let’s look at how it could work.

Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages
📞 (204) 930-3672
✉️ [email protected]
🌐 mortgagesbykatrina.ca

10/28/2026

📈 BANK OF CANADA RATE UPDATE | OCTOBER 28, 2026 🇨🇦

The Bank of Canada has increased its key interest rate by 0.25 percentage points, bringing it from 2.25% to 2.50%.

🏦 What about PRIME?
Major lenders are expected to increase their prime rate from 4.45% to 4.70%, subject to confirmation.

🤔 WHY THE INCREASE?

Inflation rose to 3.1% in September, driven by higher energy costs and global economic uncertainty. The Bank of Canada is working to bring inflation closer to its 2% target by managing borrowing costs and spending.

🏡 WHAT DOES THIS MEAN FOR YOU?

🔑 Variable-Rate Mortgages: Payments or interest costs may increase, depending on your mortgage terms.

🔑 Fixed-Rate Mortgages: Your current rate stays the same until renewal.

🔑 HELOCs: Borrowing costs will likely increase as prime rates adjust.

💰 HOW CAN YOU SAVE?

✅ Review your mortgage before renewal. Don't automatically accept your lender's first offer!

✅ Use prepayment privileges when possible to reduce interest costs.

✅ Explore refinancing or debt consolidation if you're carrying high-interest debt.

✅ Compare fixed and variable options to find what works for YOU!

💗 DON'T PANIC — HAVE A PLAN!

Rates may change, but your homeownership goals don't have to. The lowest rate isn't always the BEST mortgage. It's about finding the RIGHT mortgage for YOU!

🌸 I work for YOU, not the bank!

Katrina Bernardino
Mortgage Agent | Your Mortgage Matchmaker
Dominion Lending Centres – Mainstream Mortgages

📞 (204) 930-3672
✉️ [email protected]

10/27/2026

If you opened an FHSA this year, consider this your reminder to check your contributions before December gets busy.

A First Home Savings Account is designed to help eligible first-time home buyers save for a home while getting some pretty useful tax benefits: contributions are generally tax-deductible, and qualifying withdrawals for a first home are tax-free.

You can generally contribute up to $8,000 per year, with a $40,000 lifetime limit.

And here’s an important detail: FHSA contribution room only starts accumulating once you’ve actually opened the account. Unused room can be carried forward, subject to the FHSA carry-forward rules.

So if you opened one this year but haven’t contributed the full amount, now is a good time to check where you stand and decide what makes sense before year-end.

Saving for your first home? Send me a message and let’s talk about how your down payment plan fits into the bigger mortgage picture.

Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages
📞 (204) 930-3672
✉️ [email protected]
🌐 mortgagesbykatrina.ca

10/23/2026

We’re officially into the last quarter of the year 🍂

Three months left to make some progress on those homeownership goals you had back in January… or maybe the ones you picked up somewhere along the way.

You don’t have to completely cross the goal off the list by December 31. Making progress counts too.

So, what’s one homeownership or financial goal you’d love to finish (or get closer to) before the year ends?

Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages
📞 (204) 930-3672
✉️ [email protected]
🌐 mortgagesbykatrina.ca

10/22/2026

Before December gets busy, October is a good time for homeowners to do a little financial housekeeping.

Nothing complicated. Just a quick look at where things stand and whether there’s anything you want to tackle before the year wraps up.

A few things worth reviewing:

📌 Your current mortgage balance, rate, and renewal date
📌 Any higher-interest debt you’ve been working to pay down
📌 Your emergency savings and upcoming home expenses
📌 Whether you have unused prepayment privileges
📌 Any renovations or larger expenses you’re considering next year
📌 Your financial goals for the year ahead

You might decide everything looks good and there’s nothing to change. Or you might spot something that’s worth addressing now instead of carrying it into another year.

If your mortgage is part of what you’d like to review, send me a message. We can look at where things stand and what options make sense heading into the new year.
Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages
📞 (204) 930-3672
✉️ [email protected]
🌐 mortgagesbykatrina.ca

10/21/2026

If you have a variable rate mortgage, there are two terms worth knowing: trigger rate and trigger point.

And no, they’re not the same thing.

If you have a variable mortgage with fixed payments, your payment may stay the same even when interest rates rise. But more of that payment starts going toward interest and less toward your principal.

Your trigger rate is the interest rate where your regular payment is no longer enough to cover the interest owed.

Your trigger point relates to your mortgage balance. If your balance reaches a certain level set out in your mortgage agreement, your lender may require action.

That could mean increasing your payments, making a lump-sum payment, or adjusting your mortgage.

Not every variable mortgage works this way, so knowing how yours is structured matters.

Have a variable mortgage and aren’t sure what your triggers are? Send me a message and let’s take a look.
Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages
📞 (204) 930-3672
✉️ [email protected]
🌐 mortgagesbykatrina.ca

10/20/2026

🏡 Think a co-signer guarantees mortgage approval? Think again!

A co-signer can strengthen your mortgage application, but lenders still look at the bigger picture — income, credit, debts, and overall affordability.

💡 A co-signer can help, but it's not an automatic YES!

Let's explore your options and find the right mortgage solution for you! 🌸

Katrina Bernardino | Mortgage Agent
Dominion Lending Centres Mainstream Mortgages

📱 204-930-3672
📧 [email protected]
🌐 mortgagesbykatrina.ca

Address

1850 Ness Avenue #2
Winnipeg, MB
R3J3J9

Opening Hours

Monday	8am - 8pm
Tuesday	8am - 8pm
Wednesday	8am - 8pm
Thursday	8am - 8pm
Friday	8am - 8pm
Saturday	10am - 6pm

Telephone

+12049303672

Website

https://linktr.ee/mortgagesbykatrina, https://orbismortgage.ca/

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