Ron Chan - Invis Canada's Mortgage Experts

11/04/2026

Managing multiple debts with different interest rates and monthly payments? Refinancing your mortgage could be an option worth exploring!

If you have sufficient home equity and meet lender requirements, I may be able to help you consolidate higher-interest debts, such as credit cards, personal loans or lines of credit, into your mortgage.

But fewer payments don’t always mean lower overall costs.

While refinancing may help simplify your finances and improve monthly cash flow, it’s important to consider potential fees, prepayment penalties and the possibility of paying more interest over a longer repayment period. Consolidating debt into your mortgage also means using your home as security.

My goal is to help you understand the benefits, costs and long-term implications so you can make an informed decision that fits your financial needs.

Let’s see if the numbers make sense! Contact me today to review your refinancing options.

10/28/2026

A shift in Canada’s interest rate landscape.

The Bank of Canada has raised its policy rate to 2.50%, marking a 25-basis-point increase after seven consecutive holds.

Changes to the policy rate can affect variable-rate mortgages and borrowing costs, while fixed mortgage rates are influenced by different market factors.

Understanding the distinction can help homeowners and buyers make informed financing decisions.

Connect with me today to review your options.

10/21/2026

Going Through a Separation or Divorce in Winnipeg? You Don't Have to Navigate Your Mortgage Decisions Alone.

The end of a relationship can be an emotional and uncertain time, especially when you're worried about what will happen to your family home.

Whether you're hoping to stay in your home, buy out a former partner, or simply understand your financial options, Winnipeg mortgage professional Ron Chan is here to help with compassionate, confidential, and FREE remortgage guidance.

🏡 Take the next step toward financial peace of mind, at your own pace.

📞 Call 204.290.9950 or click below to learn more.

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Ron Chan specializes in helping newly separated or divorced Winnipeg homeowners find options better suited to their finances. Call 204.290.9950.

10/21/2026

Being loyal to your bank is one thing. Assuming they have the most competitive mortgage for you is another.

When it comes to buying a home, renewing or refinancing, there’s more worth comparing than just interest rates. Mortgage terms, payment flexibility, prepayment privileges and lender conditions can all make a difference.

I work with a variety of lenders, helping you compare mortgage products and find financing that fits your needs, not just your banking history.

You’ve given them 20 years. Give me a shot at your next mortgage.

Message me today. Your bank shouldn't be the only lender in the running.

10/14/2026

Buying your first home comes with a lot of questions. How much can you afford? How much do you need for a down payment? What about pre-approval, mortgage rates, and closing costs?

The good news? You don’t have to figure it all out on your own.

I’m here to answer your questions, explain the process, and help you navigate the financial side of buying your first home, from our first conversation to getting the keys.

A million questions? Start with one conversation.

Message me today. Let’s talk about your first home!

10/14/2026

Started a business, gone freelance, or become an independent contractor since buying your home?

Being newly self-employed doesn't automatically prevent you from remortgaging / refinancing!

✅ Explore your mortgage options
✅ Learn how lenders assess self-employed income
✅ Discover alternative financing solutions

Winnipeg mortgage professional Ron Chan can help!

📞 Call 204.290.9950 or click below to learn more.

👉 https://www.ronchan.ca/index.php/blog/post/375/remortgaging-when-newly-self-employed-in-winnipeg-mb

Ron Chan specializes in helping newly self-employed Winnipeg homeowners find mortgage options better suited to their finances. Call 204.290.9950 to chat!

10/14/2026

Winnipeg Homeowners: Is It Time to Remortgage?

Your existing mortgage may not be working as hard for you as it could!

Whether you're looking to access home equity, consolidate debt, lower monthly payments, or explore better mortgage terms, Winnipeg mortgage professional Ron Chan can help you evaluate your options.

✅ FREE, no-obligation mortgage consultation!

📞 Call 204-290-9950 or click below to learn more.

Searching for ways to modify existing financing on your Winnipeg home and potentially switch lenders? Tap to learn more and get FREE support from Ron Chan.

10/07/2026

Pumpkin spice? Easy decision. Your mortgage renewal, on the other hand, deserves a bit more thought.

When your term is coming up, renewing with the same lender may be convenient, but that doesn’t mean the renewal offer is automatically the best fit for you. Your finances, plans and the mortgage options available to you may have changed since your last term.

That’s where I come in. I can review your renewal offer, compare other lender options, look at what’s changed since your last term and help you decide whether renewing as-is, negotiating or switching makes the most sense for you.

Renewal coming up? Message me today and let me do the comparing before you commit to another term.

09/30/2026

A down payment is more than a savings goal. For many homebuyers, it represents years of planning, saving and working toward a home purchase.

CMHC’s 2026 Mortgage Consumer Survey found that homebuyers took an average of 4.4 years to save for a down payment, up from 3.4 years in 2025. Among first-time buyers, 51% said savings were the largest part of their down payment.

Reaching that point takes a lot of work, and what comes next deserves the same level of thought and effort. Your mortgage should be approached with that same attention and intention.

You put years into building your down payment. Message me today and let’s make sure the same effort goes into what comes next.

09/23/2026

Fall home shopping? 🍂 Before you start scrolling through listings and planning weekend showings, I recommend starting with the financing.

I can help you understand what you may qualify for, what fits comfortably within your budget, and which mortgage options are available to you. Getting those details sorted out early means you can head into your home search with a much better idea of what makes sense for your finances.

I’ll review your financial picture, explore mortgage options from multiple lenders, and help you get prepared before the right home catches your eye.

Make financing your first stop this fall. Message me today and let’s get you ready for your home search.