Your 25-yearmortgage, paidoff in 16.
Most homeowners are never shown how. Chad shops many lenders for your rate, then builds a simple yearly plan around it. On a $600,000 mortgage, that's about $150,000 of interest you keep.
Free, no obligation · Or call (250) 870-4247
"Chad came through for us where two other brokers failed."
Tune your plan.
Every lever here is something Chad builds into your mortgage: payment frequency, a small raise each year, and lump-sum prepayments. Move them and watch the finish line come closer.
Programs your bank may never mention.
A broker can reach lender and insurer programs built for real situations: a fixer-upper, a borrowed down payment, an efficient home, or a retirement that needs more cash flow.
Purchase Plus Improvements
Buy a home with as little as 5% down and start renovating right after possession. Make the place yours instead of settling for a design that doesn't suit you.
- Get quotes for the planned work. They're part of your application.
- Renovation funds are held back at closing.
- Finish and pay for the work, provide an inspection report, and the lender releases the funds.
- Improvements must add value. No structural changes, and chattels like appliances or hot tubs don't qualify.
FlexDown
For buyers whose down payment comes from somewhere other than savings. Put down as little as 5%, using borrowed funds such as an existing loan or line of credit.
- Purchase transactions only.
- You qualify on income the same way as traditional financing.
- Not available if you already own other properties.
- Combine it with Energy Efficient Homes or Purchase Plus Improvements.
- Home ownership sooner, without years of saving.
- A wider range of down payment sources, including lines of credit and personal loans.
- Competitive rates, because it uses insured financing.
Energy Efficient Homes
Buy an energy-efficient home, or make energy-saving renovations, and get back 25% of your mortgage insurance premium. Available across all mortgage products.
- Documentation that the home was built under a certified energy-saver program, or
- An EnerGuide label or EnerGuide renovation upgrade report showing the energy or emissions rating.
Programs offered through Sagen and CMHC's eco programs.
CHIP Reverse Mortgage
A home equity loan that helps Canadians 55 and over fund retirement. Tax-free cash, no monthly mortgage payments, and you stay in your home.
- Paying down debt to free up monthly income.
- Travel and leisure, and other retirement goals.
- Renovations like a new kitchen or bathroom, so you can stay at home longer.
- Free, no-obligation estimate, then an application review.
- Funds paid as a lump sum or in instalments.
- Nothing is due while you live in the home. It must be your primary residence.
Actual amount depends on age, location and property type. Ask for a free estimate.
What will it really cost each month?
Price, down payment and rate in; payment, default insurance and the full mortgage out. Minimum down payment rules are built in.
| Down payment | $65,000 |
| Mortgage before insurance | $585,000 |
| Default insurance 3.10% | $18,135 |
| Total mortgage | $603,135 |
| Energy-efficient refund (25%) | −$4,534 |
Estimates only. Insurance premiums follow standard CMHC rates (plus 0.20% for 30-year amortization). Provincial sales tax on the premium, property tax and closing costs are not included. Lender approval required.
Four steps, one point of contact.
You deal with Chad from first call to funding. He shops the lenders, handles the paperwork and keeps you posted.
Book a call
Tell Chad what you're planning. A free, no-obligation conversation about your options.
Apply online
One secure application and document upload through the client portal.
We shop it
Your file goes to the lenders that fit. Chad verifies the details and negotiates the terms.
Fund & move in
Approval, signing and funding. Then a plan to pay it off sooner, reviewed every year.
Mortgages are my passion. Your plan is my job.
Chad Weninger has worked as a mortgage broker for 20 years, in several roles across the industry, with a focus on residential mortgages. Because Weninger Mortgages works with many different banks, you get options instead of one lender's script.
"A mortgage can be a powerful financial tool if managed correctly."
Simple changes made once a year can take a 25-year mortgage down to about 16, and can save as much as $300,000 in interest. Chad builds that plan with you at the start and revisits it as life changes.
Chad came through for us where two other brokers failed. After a credit setback, we got a no-fee mortgage at an excellent rate. He's our hero.Jennifer Young · Homeowner
He is very knowledgeable and was always quick to respond to our questions. He took complete charge of things. I'd recommend him in a heartbeat.Suzanne Denis · Homeowner
Thanks Chad! You are the best. So appreciative of all your hard work.Jayne McDonald · Homeowner
Straight answers.
What does a mortgage broker do?
Why use a broker instead of my bank?
Do I need mortgage default insurance?
Can I qualify after a bankruptcy or credit setback?
Can family help with my down payment?
What is a pre-approval?
Can I use my RRSP to buy my first home?
How can I pay my mortgage off sooner?
Fixed or variable?
Let's find your mortgage.
We are here to help. Share a few details and Chad will get back to you as soon as possible, with options from many lenders.
Thanks. You're on Chad's list.
He'll be in touch shortly, usually within one business day. Want to move faster?