Winnipeg Multi Family

The Mortgage Broker

Terrin Ramsey — Mortgage Specialist, Castle Mortgage Group.

Winnipeg's go-to broker for house hackers, newcomers, and investors whose files traditional banks won't touch.

Apply / Talk to Terrin See financing strategies
Terrin Ramsey headshot

About Terrin

The broker who actually understands complex files.

Terrin is an elite Winnipeg mortgage broker at Castle Mortgage Group (TMG The Mortgage Group), with a specialty in complex client education and investor financing. Newcomers, self-employed borrowers, and house hackers are her home turf.

Traditional banks often don't know what to do with a duplex owner-occupier or a newcomer with thin Canadian credit. Terrin builds the file to the right lender the first time — using rental offset, CMHC's low-down-payment programs, and creative income structuring so your application lands where it can actually be approved.

Every conversation starts with education. You leave knowing your real number, not just a rate.

Education-first

Understands newcomer & self-employed files

CMHC Parameters

5%/10% owner-occupied multi-unit strategies

Rental Offset

Qualifies you for a bigger loan using tenant rent

Strategies

Two financing levers that unlock Winnipeg house hacks.

  • Duplex (2 units): as little as 5% down under CMHC's owner-occupied program.
  • Triplex / Fourplex (3–4 units): 10% down owner-occupied.
  • That means the same $25–40k can put you into a fourplex instead of a starter condo — with tenants covering most (or all) of your monthly cost.

Get pre-approved for a Winnipeg house hack.

We'll route your file directly to Terrin with the context she needs to move fast.

Apply / Talk to Terrin

Direct hand-off. Complex files welcome.

Start now

Terrin Ramsey is a licensed Mortgage Specialist with Castle Mortgage Group (TMG The Mortgage Group).