* Cambrian will be closed on Friday September 30 for the National Day for Truth and Reconciliation

Switch to a Cambrian Mortgage

Switch and join over 80,000 home owners who chose to finance locally with Cambrian to get a low rate, flexible terms & personal advice. Plus, we'll pay your transfer fees.

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Mortgage Offers

Cambrian Variable closed mortgage logo link

Cambrian variable closed mortgage rate 4.55%

Save money with our lowest variable rate!

Plus, you can switch to a fixed rate mortgage at any time in the future. The choice is yours.

It only takes 15 minutes

See full details

Logo Showing Cambrian 2 year fixed mortgage rate - 1.95%

Cambrian 3 year fixed mortgage rate of 4.90%

Get peace of mind with our low fixed rate!

Get pre-approved at this rate now and get our Best Rate Guarantee.

It only takes 15 minutes

See full details

Cambrian Variable Open Mortgage Logo 2.45%

Cambrian variable open mortgage rate 5.45%

The flexibility you want, at any time!

Our Variable Open mortgage lets you make changes to your mortgage anytime, without penalty.

It only takes 15 minutes

See full details


What Transfer Fees are Covered?


In Manitoba, the following fees apply when you transfer a mortgage to another financial institution. When you switch your mortgage to Cambrian, we will cover all the fees indicated below.

  • Title Insurance Fees
    • Cambrian works with First Canadian Title to provide coverage that will protect you in the event of title or land survey issues.
  • Discharge Fees
    • When your transfer your mortgage, your current financial institution must give up the rights to your property.  This is known as “discharging” your mortgage.  We currently cover up to up to a maximum of $235 of discharge fees charged by the other financial institution.
  • Property Valuation Fees
    • As part of the mortgage transfer, we may require a property value appraisal to establish the value of your home.

If you incur mortgage prepayment penalties when transferring your mortgage, we can add that amount to your Cambrian mortgage so that you do not need to pay out of pocket.

To discuss switching your mortgage without paying transfer fees, book an appointment.

Find out How Much You Can Save

Use our Mortgage Comparison Calculator to see how much you could save by switching to Cambrian.

Mortgage Comparison Calculator

What you get with a Cambrian Mortgage


  • Low Mortgage Rate

    At Cambrian, we design all our mortgages specifically for our members in Winnipeg and Selkirk. Which is why we keep our mortgage rates among the lowest in the market. Our focus is on saving you time and money.

  • Quick Approval

    Because we are based in Winnipeg and Selkirk, our team can get your mortgage approved as quickly as you need it. And with our quick 15-minute web application, you can get started right away. 

  • Rate Guarantee

    When you apply to switch your mortgage to Cambrian, we automatically lock in our current fixed mortgage rate for you, for up to 4 months. Just apply to switch and lock in our lowest rate, guaranteed. See full details

  • Pay Off Your Mortgage Faster
    We love helping you save money. Which is why you can choose to pay up to an additional 20% of your original mortgage balance every year, without penalty. Make one lump sum payment or make additional payments throughout the year.
  • Local Expertise
    Our advisors live in and intimately know the Winnipeg and Selkirk markets. They are experts on mortgages in the community you’re looking to purchase in.
  • Advice and Care
    Our advisors love helping people just like you become homeowners. Rest assured that they will guide you each step of the way through the financing of your home.

Guide to Switching your Mortgage

Get answers to these 6 common questions people ask when switching their mortgage.

  1. What does it mean to switch my mortgage?
  2. Why would I switch my mortgage to Cambrian?
  3. What is a mortgage penalty?
  4. Are there fees for switching a mortgage?
  5. Will I save money if I switch my mortgage?
  6. How do I switch my mortgage?

Learn More About Switching 

Answers to your Mortgage Questions




Ready to Switch?

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Quick 15-Minute Application

Apply Online
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Meet with an Advisor

Book Online