Buying Made Easy
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Frequently asked questions
The minimum down payment is 5% on the first $500,000 and 10% on any amount above that up to $999,999. For example, on a $400,000 home, the minimum down payment would be $20,000. If your down payment is less than 20%, you'll also need mortgage default insurance.
In most cases, no. The seller typically pays the buyer's agent commission. Having your own REALTOR® gives you access to the full MLS® database, professional negotiation, and guidance through the entire process at no cost to you.
From starting your search to getting the keys, the process typically takes 30 to 90 days depending on market conditions and your preparation. Getting pre-approved for a mortgage before you start looking speeds things up significantly.
Closing costs in Manitoba typically range from 1.5% to 2.5% of the purchase price. They include lawyer fees, land transfer tax, home inspection, title insurance, and property tax adjustments. On a $400,000 home, budget $6,000 to $10,000.
Yes, if possible. A home inspection identifies issues you might not catch on your own, like foundation problems, outdated electrical, or roof damage. The cost is typically $500 to $700 and can save you thousands by uncovering problems before you commit.