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Frequently Asked Questions – AAR Mortgage

Frequently Asked Questions

Frequently Asked Questions

At AAR Mortgage, we provide you with loan solutions, when other banks may turn you away. We work with you one on one to make sure the loan solution you choose is right for you.

Simply call (866) 636 3271 and you will be automatically transferred to our AAR Mortgage branch.

Our hours of operation are as follows:

Monday: 9am – 6pm

Tuesday: 9am – 6pm

Wednesday: 9am – 6pm

Thursday: 9am – 6pm

Friday: 9am – 6pm

Saturday: 9am – 6pm

Sunday: closed

We are located at 823 Regent Avenue in Winnipeg, Manitoba. You can call us at (204) 224 3271 or toll free at (866) 636 3271! As well, you can view our Contact Us page for more details on how to contact us.

At AAR Mortgage, we are happy to provide financing when the loan is beneficial for all parties involved in the transaction. We are large enough to handle most loan applications including loans from $5,000 up to $1,000,000.

Absolutely not! Apply online at no expense to you and come in and explore your options with a loan specialist.

An AAR personal loan is an installment loan that is paid back over a scheduled period of time through either monthly, semi monthly, or bi weekly payments. These payments are fixed amounts for the entire length of the term. At the end of your loan term, the loan will be paid off and you are one step closer to financial freedom!

If you are a home owner and have equity built into your home, you will be able to borrow money against that equity in your home and borrow a larger amount than an unsecured loan. You can borrow up to $65,000 with a personal loan for homeowners. Unsecured loans require no collateral to borrow for a loan, although a co signer may be required.

At AAR Mortgage, we offer fixed rates which means your interest rate and your payments will remain the same for the life of the loan. However, there are circumstances where you may require an adjustment to the length of your loan, which will alter the interest rate, payments, and a different term. Contact us for more information!

Absolutely! At AAR Mortgage, we offer you open loans which means you can pay back your loan faster without any early repayment fees or charges. On a personal loan for home owners, there may be a fee for paying back may apply.

You can call us at (204) 224 3271 to discuss your options with a loan specialist, or go online to our apply now page to fill out an application for a loan. You can also bring in your flyer to your AAR Mortgage branch and meet with a specialist.

If you apply online for a loan today, you will receive an email response in minutes confirming we received your application. From here, your application will be transferred to a loan specialist who will contact you to discuss your options! With all the required documentation, you could have the money you need the same day as applying online.

Loan approvals are made at your AAR Mortgage branch, and are based on a variety of factors. Contact a loan specialist at (204) 224 3271 or apply online here. 

This will largely depend on what you can afford as a payment, and what we feel we can borrow to you at AAR Mortgage. We do offer no early repayment fees as it is an open loan, so feel free to pay off your loan earlier without any additional costs! We do offer terms of 5 years, 7 years, and 10 years.

Depending on the circumstances surrounding your bankruptcy, we would consider providing a loan solution for you, based on a full application form and the strength of your security and a co-signer if necessary. Contact us for more information or if you are unsure whether you are qualified for a loan from AAR Mortgage.

Subject to qualification, absolutely! Who doesn’t want to upgrade their home and build some value in their existing home? We’d love to help you get a loan for some home improvements. Use the equity already built into your home to upgrade your current bathrooms or add that movie theater you have been longing to have for so long!

We will need to verify your personal information, your employment information, as well as your mortgage information. Take a look at the document below for more information, and print it out to better help you get your loan.

DOWNLOAD PDF: “What to Bring” Checklist

At AAR Mortgage, we offer three different loan terms. 5 years, 7 years, and 10 years. Depending on how much your budget is and how much you can afford either monthly, semi monthly, or bi weekly, we will choose the best term that fits with you.

Absolutely! At AAR Mortgage, you are able to pay back your loan with payments coming out of your account either monthly, semi monthly or bi weekly.

Monthly payments are beneficial, as it will be the same day of every month to help you stay on track and in control so you don’t get behind with your payments.

Semi monthly payments would mean that you would make payments twice a year, totaling 24 payments in the year. Paying semi monthly can help you in repaying your loan off faster and help you on your way to financial freedom.

Bi weekly payments means you will be paying a total of 26 payments in a year, rather than 24. You can set up your payments so they come out directly from your bank account on a day that works for you.

At AAR Mortgage, we can help with many different kinds of debt! This includes payday loans, lines of credit, credit card debt, home renovations, healthcare bills, car repairs, leisure and vacation and many more forms of debt. Contact us for more information on what you are looking to borrow for and if you qualify for a loan.


Would you like to speak to one of our loans specialists over the phone? Just submit your details and we’ll be in touch shortly. You can also email us if you would prefer at info@aarmortgage.ca