Independent Mortgage Advice.

Personalized Strategy.

**Real Results.**

More than a mortgage —
a plan for your financial future.

More than a mortgage — a plan for your financial future.

Ready to explore your options?

Book your free mortgage strategy call:

📞 778-246-2547 or use the form below

Mortgage Solutions for every stage of Life!

Mortgage Solutions for Every Stage of Life

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Lender Options

With access to a full spectrum of trusted lenders, I help you do more than just secure a mortgage — I help you build a plan. Together, we’ll find the right solution for your needs today and set you up for whatever tomorrow brings.

✔️ Big Banks – Convenience, brand recognition, and in-branch service

✔️ Credit Unions – Community-focused with flexible, member-first policies

✔️ Mortgage Companies – Mortgage-only specialists with smarter products, flexible features, and long-term advantages — without tying up your banking.

✔️ Wholesale & Alternative Lenders – Exclusive rates, solutions for complex files, and strategic flexibility

As an independent broker, I work for you — not the lenders. That means unbiased advice, more choice, and a mortgage strategy designed around you.

➤ Because it’s more than a mortgage — it’s your financial future.

Lender Options That Work for You

✔️ Big Banks – Convenience, brand recognition, and in-branch service

✔️ Credit Unions – Community-focused with flexible, member-first policies

✔️ Mortgage Companies – Mortgage-only specialists with smarter products, flexible features, and long-term advantages — without tying up your banking.

✔️ Wholesale & Alternative Lenders – Exclusive rates, solutions for complex files, and strategic flexibility

As an independent broker, I work for you — not the lenders. That means unbiased advice, more choice, and a mortgage strategy designed around you.

➤ Because it’s more than a mortgage — it’s your financial future.

About Winona

Winona is a mortgage and debt strategist who is passionate about financially empowering her clients. She believes in a holistic approach. By sharing industry secrets, tips and resources she has helped many families improve their financial situation and realize their dreams.

Learn more about Winona

Meet Winona Reinsma

With over 20 years of experience, Winona is a trusted mortgage broker who brings clarity, strategy, and personalized advice to every client. Whether you're buying your first home, refinancing, or planning for retirement, she helps you make confident decisions with smart, long-term solutions.

More than a mortgage — a plan for your financial future.

Learn more about Winona

Avoid conflicts of interest...

Very seldom the issue of Conflict of Interest is discussed at a branch. The mortgage representative at the financial institution, even if they have your interest in mind, have to represent their employers interests first. Even if they know there is a better mortgage for you at a competing institution, they cannot disclose it to you. Hence the conflict.

Mortgage Brokers do not have this conflict! Your interests are the most important!

Great Questions

to think about:

Do you want to receive advice from a representative that only knows one institution?
If your branch representative would know a better financing for you from another institution, would they let you know?
Do you want options all from the same financial institution or from different lenders?
Do you want to be controlled, or to control with options and flexibility?

Have another question? Give Winona a call!

❗ Why It Matters: Avoiding Conflicts of Interest

At most banks, mortgage representatives are limited to offering only their institution’s products—even if another lender has a better rate, lower penalty, or more flexible terms. They’re required to protect the bank’s interests first.

As an independent mortgage broker, I work for you, not the bank.

That means you get honest advice, more options, and a mortgage that’s truly aligned with your best interests—not a sales target.

This difference can save you thousands of dollars—and protect your financial future.

Ask Yourself:

Are you getting advice from someone who only represents one lender?
If a better deal existed elsewhere… would they even be allowed to tell you?
Do you want real options from multiple lenders—or just one menu with no substitutions?
Do you want to be sold a mortgage—or be in control of the right strategy for your life?

These questions matter!

Let’s talk about what’s really possible for you — and create a mortgage plan that puts you in the driver’s seat.

Have another question? Call Winona now! Schedule An Appointment