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About Me

The Mortgage Centre
Power Mortgage Brokerage 
2058 Lorne St. Regina SK
P. 306-570-3379
Brokerage Licence #315900
Broker Licence #316340

Hi, I’m Ryan Boughen.

I am passionate about helping working families understand what role their mortgage plays in their overall family budget and goals. I enjoy working with real people who are doing the best they can but are looking for some help managing their family finances.

As selecting a mortgage is one of the most significant financial decisions my clients will make in their life, obviously understanding how the mortgage fits into their financial goals is crucial, and as obvious as that sounds, from experience, I have found that this isn’t always the case. Be very careful where you get your advice from!

I specialize in residential mortgage financing in Regina Saskatchewan and I have a unique approach to working with my clients. My goal is to first understand their overall financial objectives before helping them decide on the mortgage. This unique approach ensures that my clients’ needs are always put first when I am negotiating for a mortgage on their behalf.

I hold a Bachelor of Commerce (Finance) from the Edwards School of Business as well as a Bachelor of Science in Agriculture from the University of Saskatchewan.

Along with my wife Natasha, and our two young boys we live in Northwest Regina. I enjoy the outdoors (especially in the summer), attending kids’ events and I am a regular at Saskatchewan Roughriders games as a 10+ year season ticket holder.

It was with great pride that I completed My first half-marathon in September 2014.

If you are looking for honest, unbiased advice from a mortgage broker in Regina and would like to discuss becoming my client, I would love to talk with you!

Mortgage Services

Home Purchase

If you are looking to purchase a property, understanding all the mortgage options available to you can seem overwhelming. That’s where I come in, I do this everyday, and I love it. I will help you make sense of all the numbers and provide you with options that make sense to your specific financial situation and arrange the mortgage that meets your goals.

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Preapproval

Before you go out and start shopping for a new house, you need a plan. It doesn’t matter if this is your first time buying a home or your hundredth, financial situations change, rules change, interest rates change. The best place to start is with a preapproval, so you know exactly how much buying power you have. I can help you with that.

First Time Homebuyers

If you are looking to purchase your first home, then you have come to the right place! I absolutely love answering questions and helping first time home buyers understand what mortgage financing is all about. I will walk through the process with you and make sure you feel comfortable with the details of your mortgage contract and that they meet your financial needs.

Refinance

Are you looking to access some of the equity built up in your property? Maybe you want to consolidate some debts, start a new business, buy a vacation or investment property… regardless, I can discuss all your mortgage refinancing options with you! Sometimes it even makes sense to refinance your mortgage early to save money long term!

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Renewal

The best time to start looking at renewing your existing mortgage is 120 days before your maturity date. If your existing lender has sent you a renewal offer in the mail, the first thing you should do is send it to me so I can give you a second opinion. Never just sign the offer, there is always room to negotiate, and I am here to help you so that you don’t have to do those negotiations alone!

Contact

Obviously there are a lot more services I can offer and a lot more information I can share with you. Consider this my invitation to contact me with your questions, I would love to work with you and help you figure out a plan not only to get you a mortgage, but to help you get rid of it. Talk soon!

Some of My Lender Partners

Testimonials

Here are some of the nice things my clients have said about me

We were originally working with another mortgage broker who we were very dissatisfied with.  I was introduced to Ryan by an acquaintance and found him to be very knowledgeable in his approach with us as a future client.

When we came to Ryan we had a tonne of questions, all of which were very important to us, because of our previous experience with another broker. We needed to make sure Ryan was the right fit, and he was.

Ryan is a great listener and was able to provide us with several different options when it came down to choosing the right mortgage.  We felt very confident in Ryan as he always did his due diligence and provided us with easy to understand explanations of each option. This made the experience that much better.

Everything about our experience was very positive. Ryan is compassionate, honest and extremely knowledgeable, and always took time to explain things so that we fully understood our options.

We are now neighbors.  We live down the street in our newly constructed home beginning a new life as a new family.  Thank You Ryan for all that you have done to get us to this place.

Carrie & Mike

Regina, SK

Ryan was absolutely amazing to deal with!

As a first time home buyer, I had no idea what I needed or what I qualified for or even what the process was. Ryan was great at walking through the process with me and answering every question I had. He never left me in the dark with anything and always made sure I knew exactly what was going on.

I was also impressed with the on-going plan to adjust my mortgage throughout my 5 year term so there are no major surprises when it comes to renewing. This puts him above the rest as with most other mortgage brokers, once you sign the papers, you don’t talk to them till it’s time to refinance!

He takes the guess work out of the home buying process. Can’t imagine using anyone else!

Jennifer

Regina, SK

I have known and worked with Ryan for over five years. I have found him to be very knowledgeable, meticulous and people oriented.  I would recommend his services anytime!

Mike Turlock, CFP

Regina, SK, IPC Investment Corporation

My husband and I attended (Ryan’s) Get Out Of Debt Workshop and it has changed our LIVES…. Its given us a “jump start” to achieve our retirement goals!!! Was well worth the time to attend. I recommend this workshop, it was fantastic!!!

Pam

Regina, SK

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Mortgage & Money Blog

4 Ways to Reduce Your Mortgage Debt

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Bank of Canada Rate Announcement April 15th, 2015

The Bank of Canada today announced that it is maintaining its target for the overnight rate at 3/4 per cent. The Bank Rate is correspondingly 1 per cent and the deposit rate is 1/2 per cent. The Canadian economy is estimated to have stalled in the first quarter of... read more

What is Mortgage Default Insurance?

As part of the home buying process, you will hear the term mortgage insurance used a lot, especially if you are applying for a mortgage with a downpayment less than 20% of the purchase price. In Canada there are currently 3 mortgage insurers: Canadian Mortgage and... read more

Are First Time Home Buyers a Risky Bunch?

Not really. Actually not at all. According to the most recent Genworth survey, first time home buyers are “financially fit, well informed and eager to get into their first homes.”  Taking it a step further… “The survey shows that today’s... read more

CMHC to Increase Mortgage Insurance Premiums

If you were to read this headline a day sooner you might think it was some kind of April Fools joke, however today CMHC announced that it will be increasing the insurance premiums for mortgages secured with a 5% downpayment. Effective June 1, 2015, the mortgage loan... read more

Contact me Anytime!

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