Mortgage Refinancing

Winnipeg and Manitoba Mortgages Made Easy

Mortgage Refinancing to help pay debt for people in Winnipeg and across Manitoba

Transform Your Home Equity into Financial Freedom - Mortgage Refinancing Made Easy

We are your trusted Winnipeg and Manitoba Mortgage Brokers

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Why Choose Us For Your Mortgage Refinancing Needs?

We are one of the most respected brokerages in the Winnipeg area when it comes to refinancing your mortgage and our goal is to provide the people of Manitoba with some of the best mortgage solutions anywhere in the province.

  1. 1

    Wide Range of Options

    As Winnipeg Mortgage brokers, we offer access to numerous lenders, including those not available to the public, ensuring you find a mortgage product that perfectly fits your financial needs.

  2. 2

    Expert Guidance

    With our mortgage expertise, we provide personalized advice to navigate complex mortgage terms and conditions, helping you make well-informed decisions.

  3. 3

    Cost and Time Efficiency

    We are able compare various mortgage deals to secure competitive rates and terms, potentially saving you money and simplifying the application process to save you time.

  4. 3

    Ongoing Support

    From start to finish, mortgage brokers such as ourselves, offer continuous assistance, handling paperwork, resolving issues, and ensuring a smooth mortgage application process.

More About The Spooner Group

The Spooner Group originated in 2016 when Tracy founded the brokerage. We offer over 32 years of experience in mortgage financing, real estate and law. Our award-winning team is looking forward to assisting you with all your mortgage needs.

We offer competitive mortgage rates with many features for you to choose from. Our unbiased advice will continue long after your mortgage has funded. We look forward to building a relationship with you for years to come.

The Spooner Group

What Our Winnipeg Mortgage Clients Have To Say

'Taylor was amazing! She helped us buy our first home with no stress, she was very responsive and helped us with any issues / questions we had. Will definitely recommend the spooner group to anyone i know in need of a mortgage group !'
Jenna Maclean
'The Spooner Group is amazing! Super helpful and will promptly answer all questions. Really loved my experience working with this team.'
Courtney Sabo
'Tracy is absolutely FANTASTIC. She goes above and beyond to help her clients. She's extremely professional and friendly to talk to, and is very knowledgeable about what she does. I would definitely recommend!!'
Katrina Maleski
'Couldn’t ask for better service! They went out of his way to ensure we got approved quickly on our mortgage so we could put in an offer. Being first time home buyers he was able answer any questions that we had and was very communicative throughout the whole process. Thank you Dave!'
Lane Sokolowski

Winnipeg & Manitoba Mortgage Refinancing Frequently Asked Questions

We get lots of questions from people in Winnipeg and across Manitoba when it comes to mortgage refinancing and when to do it. Below are just a few of the most common items and as always, we are glad to answer any questions you might have.

What is Mortgage Refinancing?

Mortgage refinancing involves paying off your existing mortgage and replacing it with a new one, often with different terms or amounts. This can be beneficial for accessing lower interest rates, consolidating debt, or accessing home equity for large expenses.

How will refinancing affect my mortgage term and amortization period?

Refinancing can either shorten or lengthen your mortgage term and amortization period, depending on the options you choose. A shorter term can increase your payments but save on interest in the long run, while a longer term can reduce monthly payments but increase the total interest paid over the life of the mortgage. It's crucial to consider your financial goals and circumstances when deciding on a new term and amortization period during refinancing and that's where we can help.

What are the benefits of refinancing my mortgage?

Benefits include potentially securing a lower interest rate, reducing your monthly payments, consolidating high-interest debts into a single, lower-interest loan, and accessing cash for large expenses like home renovations or education. We are well versed at this and can help answer any questions you might have.

Are there any risks or costs associated with refinancing?

Yes, there are potential costs such as appraisal fees, legal fees, and possibly a penalty for breaking your existing mortgage term early. Additionally, extending your amortization period can mean paying more interest over the life of your mortgage. Once again we cna work with you to determine if refinancing your mortgage makes sense fot yur situation.

How does the refinancing process work?

The process involves applying with a lender, undergoing a financial assessment, and getting your home appraised. If approved, you'll work with a lawyer or notary to finalize the new mortgage, which will pay off your existing mortgage, along with any associated fees or debts included in the refinancing agreement.

Can I refinance my mortgage with a different lender?

Yes, you have the option to refinance with your current lender or shop around for better rates and terms from other lenders. However, switching lenders might involve additional costs.

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