Guides

Winnipeg Mortgage Guides & Blog

Plain-English guides for Winnipeg and Manitoba home buyers and homeowners.

New Home Purchase Mortgages: Winnipeg Buyer’s Guide

How new home purchase mortgages work in Winnipeg: down payments, pre-approval, CMHC insurance and what to expect before closing.

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What the mortgage stress test is, how the qualifying rate works, and how it affects how much Winnipeg buyers can borrow.

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The closing costs Winnipeg buyers should budget for, from Manitoba land transfer tax to legal fees, title insurance and adjustments.

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Last updated: September 2026