Selling your house is a big decision. You want to get a good price, attract serious buyers, and move on to your next chapter without unnecessary stress. But if you're planning to sell your home in Winnipeg, a few common mistakes could cost you time, money, and valuable opportunities.

Should you renovate before listing? How do you know what your house is really worth? What if you price it too high — or accept an offer that isn't right for you?

These are questions worth answering before your home hits the market.

The good news is that you don't have to figure everything out on your own.

I'm Viktoria Fazekas, and I've been helping homeowners buy and sell real estate in Winnipeg and surrounding areas since 2009. With more than 17 years of local experience, I understand how important it is to have the right plan before putting a property on the market.

My approach is simple: understand your goals, determine how your home fits into the current market, and create a selling strategy tailored to your property.

If you're thinking about selling your house in Winnipeg, here are 12 mistakes to avoid—and how I can help you make your next move with confidence.

1. Pricing Your Home Too High

One of the biggest mistakes when selling a house in Winnipeg is choosing an asking price based on emotion rather than market evidence.

It's understandable. You've invested time, money, and memories into your home. You may also have completed renovations or watched other properties sell for impressive prices.

But buyers compare your property with similar homes currently for sale and recently sold in your area. If your asking price is too high, they may decide your home isn't worth viewing.

Overpricing can lead to fewer showings, longer time on the market, and price reductions later.

How I help: I review comparable sales, current competition, your home's condition, location, size, and features to help you understand its potential market value. From there, we can develop a pricing strategy designed to attract the right buyers.

My goal isn't simply to put a price on your home. It's to help you understand where your property stands and how to position it effectively.

2. Spending Too Much on Renovations

Should you update the kitchen before selling? Replace the flooring? Renovate the bathroom?

Not necessarily.

Some improvements can make your home more appealing, but expensive renovations don't guarantee a higher sale price. You could spend thousands of dollars on upgrades that buyers don't value as much as you expect.

Before starting a major project, consider what your home actually needs to compete with similar properties.

Sometimes, the most effective improvements are relatively simple:

• Repairing loose handles and dripping faucets.

• Touching up scuffed walls.

• Replacing burnt-out light bulbs.

• Cleaning windows and baseboards.

• Removing excess furniture.

• Improving the front entrance.

• Tidying the yard and garden.

How I help: Before you spend money, I'll help you identify which improvements may be worth considering and which ones you can potentially skip. We'll focus on presenting your home well without stretching your budget unnecessarily.

You don't need to make your house perfect. You need a practical plan that makes sense for your property and your selling goals.

3. Ignoring Your Home's First Impression

Buyers start forming opinions before they walk through the front door.

An overgrown lawn, cluttered entrance, or neglected exterior can make a home feel less inviting—even if the inside is beautiful.

In Winnipeg, curb appeal also means preparing your property for the season. In summer, that might mean mowing the lawn and tidying garden beds. In winter, it means keeping walkways clear and the entrance safe and accessible.

Before listing your home, consider:

• Cleaning the front door and visible windows.

• Sweeping the entrance and walkways.

• Trimming shrubs and removing weeds.

• Keeping the lawn tidy.

• Organizing the porch or front steps.

• Clearing snow and ice when necessary.

How I help: I'll walk you through the preparation process and help you identify the details that could make your property more inviting to potential buyers.

A few thoughtful changes can help your home make a stronger first impression.

4. Leaving Too Much Clutter

You may love your furniture, family photos, and personal decorations. But when buyers view your home, they need to see the space—not just the things inside it.

Too much furniture can make rooms feel smaller. Crowded countertops can make a kitchen look less functional. Overfilled closets can leave buyers wondering whether there is enough storage.

Before listing, try to:

• Clear kitchen and bathroom countertops.

• Remove unnecessary furniture.

• Organize closets and storage areas.

• Pack away personal collections.

• Keep hallways open.

• Make bedrooms feel spacious.

• Tidy the basement and garage.

You don't need to remove everything that makes your house feel like home. The goal is to create a welcoming space where buyers can picture their own lives.

How I help: I'll offer practical advice on decluttering, furniture arrangement, and preparing each room for photographs and showings. If staging would benefit your property, we can discuss the most suitable approach.

5. Underestimating the Power of Professional Photography

Most buyers begin searching for homes online. Your listing photos may be their first impression of your property—and sometimes the reason they decide whether to book a showing.

Dark photographs, cluttered rooms, and poorly presented spaces can make even a lovely home look less appealing.

Before photography, make sure your home is clean, bright, and ready to be photographed.

Open curtains where appropriate, turn on lights, clear countertops, make beds, and remove everyday items that distract from the rooms.

How I help: I focus on presenting your home professionally, highlighting its strongest features, and developing marketing that helps it stand out among other homes for sale in Winnipeg.

Your property deserves more than a listing that simply shows the rooms. It deserves a thoughtful presentation that helps buyers understand what makes it special.

6. Choosing the Wrong Selling Strategy

Every home is different. A downtown condo, a family home in River Heights, a newer property in Sage Creek, and a house on a large lot in Charleswood won't necessarily attract the same buyers.

Their pricing, presentation, marketing, and competition can all be different.

A strategy that works for one property may not be right for yours.

Before listing, consider:

• Who is most likely to buy your home?

• What competing properties will buyers compare it with?

• Which features should your marketing highlight?

• How should your asking price be positioned?

• What preparation will make the biggest difference?

How I help: With more than 17 years of experience in Winnipeg real estate, I understand the importance of adapting the strategy to the property and the market. I'll help you make decisions based on your home, your goals, and the buyers you're trying to reach.

You won't get a one-size-fits-all plan. We'll build a strategy around your situation.

7. Making Your Home Difficult to View

Even interested buyers can miss an opportunity if arranging a showing becomes difficult.

Once your house is listed, being reasonably flexible with viewing times can help more potential buyers see the property.

Before listing, think about how you'll manage showings around work, family commitments, and pets.

Keep the main living areas tidy, secure valuables and personal documents, and make sure the entrance is accessible.

You don't need to maintain a perfectly staged home every minute of the day. A simple routine can make preparation much easier.

How I help: I'll guide you through the showing process, help coordinate viewing arrangements, and keep you informed about feedback and next steps.

Selling your home is already a busy time. My job is to help make the process more organized and manageable.

8. Overlooking Repairs and Maintenance

A loose door handle may seem insignificant to you. But when buyers notice several small issues, they may start wondering whether the property has been properly maintained.

Before listing, walk through your home and look for minor repairs that can be completed without a major investment.

Check faucets, doors, handles, trim, light fixtures, and visible areas of wear. Pay attention to signs of moisture or damage that may require professional assessment.

Don't simply cover up a problem to make it look better. If you're aware of an issue, get appropriate advice about repairs and disclosure obligations.

How I help: I'll help you identify areas that deserve attention before listing and suggest where professional advice may be appropriate. This allows you to prioritize the work instead of trying to fix everything at once.

9. Accepting an Offer Without Understanding the Terms

Receiving an offer is exciting, but the highest purchase price isn't always the only thing that matters.

You also need to consider the conditions, deposit, possession date, included items, and other terms of the agreement.

For example, one offer may have a higher price but a possession date that doesn't work for you. Another may fit your timeline better but include conditions that require careful review.

The right decision depends on your circumstances and the details of each offer.

How I help: I'll walk you through the offers you receive, explain the important differences, and help you negotiate with your goals in mind. Where legal advice is needed, I'll recommend speaking with your lawyer.

You should understand what you're agreeing to before making a decision.

10. Forgetting About the Costs of Selling

Before selling your home, it's important to understand the expenses that may affect your final proceeds.

Depending on your situation, these could include:

• Real estate commission under your listing agreement.

• Legal fees and disbursements.

• Mortgage payout costs or potential penalties.

• Repairs and home preparation.

• Moving expenses.

• Property tax and other closing adjustments.

These expenses vary, so it's worth gathering estimates before listing.

How I help: I can explain the real estate services and fees covered by our agreement, help you estimate your home's potential sale price, and identify the other costs you'll want to discuss with your lender or lawyer.

Understanding your numbers before listing can help you plan your next move with greater confidence.

11. Waiting Until the Last Minute to Plan Your Move

Are you buying another home? Downsizing? Relocating? Moving closer to family?

Your next step can affect how you approach the sale of your current property.

If you wait until your house is sold to think about moving arrangements, you may find yourself making rushed decisions about possession dates, storage, temporary accommodation, or your next purchase.

Start planning early.

Think about your preferred timeline, your financial situation, and how flexible you can be with moving dates.

How I help: I'll work with you to develop a selling timeline that takes your goals into account. If you're buying and selling at the same time, we can discuss the real estate side of coordinating those transactions and the questions you'll need to address with your lender and lawyer.

The aim is to help you move forward with a clear plan rather than feeling like everything is happening at once.

12. Waiting Too Long to Talk to Viktoria Fazekas

You don't need to be ready to list your home tomorrow to benefit from professional advice.

In fact, one of the smartest things you can do is start the conversation before you begin renovating, decluttering, or choosing an asking price.

An early discussion can help you understand your home's potential value, what buyers may be looking for, and which preparations deserve your attention.

You may discover that you don't need the expensive renovation you had planned. Or you may learn that a few small improvements could make your property more competitive.

Either way, you'll have more information before making decisions.

I've been helping Winnipeg homeowners since 2009, and I'm happy to talk through your plans even if you're still months away from selling.

You don't have to have all the answers before reaching out. That's what the first conversation is for.

How Viktoria Fazekas Helps You Sell Your Winnipeg Home With Confidence

Selling your house is about more than putting it on the market. It's about making informed decisions at every stage, from understanding your home's value to negotiating an offer and planning your move.

As an experienced Winnipeg real estate professional, I offer personalized guidance to help you navigate the process.

When you work with me, I can help you:

• Understand your home's value: Review comparable sales and current competition to help establish a realistic pricing strategy.

• Prepare your property: Identify practical improvements and presentation changes before listing.

• Market your home: Highlight its strongest features through a thoughtful listing presentation and marketing strategy.

• Attract potential buyers: Help organize showings and keep you informed about buyer interest and feedback.

• Review and negotiate offers: Help you understand the terms and consider your options.

• Navigate the transaction: Guide you through the real estate process and coordinate important milestones.

• Plan your next move: Consider your selling timeline and how it fits with your next housing plans.

I've built my business around local knowledge, communication, and understanding what matters to each client. My goal is to make sure you feel informed and supported—not left wondering what happens next.

Frequently Asked Questions About Selling a House in Winnipeg

What is the biggest mistake when selling a house in Winnipeg?

Overpricing is one of the most common mistakes because it can discourage buyers and reduce early interest. Poor preparation, weak marketing, and overlooking important offer terms can also affect the outcome.

How do I know what my Winnipeg house is worth?

Your home's potential market value depends on its location, size, condition, features, recent comparable sales, and current competition. Viktoria Fazekas can help you review these factors and understand how your home may be positioned in the market.

Should I renovate before selling my home?

Not necessarily. Some repairs and updates can improve your home's appeal, but major renovations don't guarantee a higher sale price. Before spending money, discuss your property and selling goals with Viktoria.

When should I contact Viktoria Fazekas about selling?

You can contact Viktoria well before you're ready to list. Starting early gives you time to understand your home's value, plan any improvements, and prepare a selling strategy that fits your timeline.

How can I sell my house faster in Winnipeg?

No one can guarantee how quickly a property will sell. However, realistic pricing, attractive presentation, effective marketing, and convenient showings can help your home compete for buyer attention.

Ready to Sell Your House in Winnipeg?

You don't need to figure out pricing, preparation, marketing, and negotiations on your own.

With more than 17 years of experience helping buyers and sellers in Winnipeg and surrounding areas, I can help you understand your options and create a plan tailored to your home and goals.

Whether you're thinking about selling soon or simply want to know where you stand, the first step is a conversation.

Get Your FREE Home Evaluation

Curious about your home's value? I'll help you understand what your property could be worth in the current Winnipeg real estate market and discuss what you can do to prepare for a successful sale.

Contact Viktoria Fazekas today to request your free home evaluation.

Let's talk about your goals, answer your questions, and make a plan for your next move.

Buying a house is an exciting milestone, but before you start looking at properties, it is important to understand what it actually costs to become a homeowner.

If you are planning to buy a house in Winnipeg, Manitoba, you will need to budget for more than just the purchase price. Your down payment, land transfer tax, legal fees, home inspection, mortgage payments, property taxes and moving expenses can all affect how much money you need.

The good news? With the right preparation and a clear understanding of your budget, buying a home in Winnipeg can feel much more manageable.

I’m Viktoria Fazekas, and I have been in real estate since 2009. I help buyers navigate the Winnipeg real estate market, understand their options and find homes that fit their lifestyle, needs and budget.

In this guide, I will break down the main costs of buying a house in Winnipeg so you can plan ahead and move forward with confidence.

1. How Much Does a House Cost in Winnipeg?

The purchase price is usually the biggest expense when buying a home. However, the price you pay depends on the type of property, its location, size, condition and features.

For example, a first-time buyer looking for a starter home may have a very different budget from a family searching for a larger house with a finished basement, or a buyer looking for a newly built home.

When searching for homes for sale in Winnipeg, you might consider:

• Starter homes: A practical option for first-time buyers, couples and smaller households.

• Detached houses: Popular with families who want more privacy, a yard and additional living space.

• Bungalows: An appealing choice for buyers who prefer single-level living.

• Condominiums and townhouses: Alternatives for buyers who want less exterior maintenance or a different price point.

• New construction homes: An opportunity to choose a modern layout and finishes, depending on the builder and available inventory.

Neighbourhoods also make a difference. Areas such as St. Vital, Riverbend, Sage Creek, Transcona, River Heights, Windsor Park and Waverley West offer different housing styles, amenities and price points.

If you are open to living outside the city, communities such as Oak Bluff, East St. Paul and Oakbank may also be worth exploring.

My advice: Instead of focusing only on the maximum price you can afford, decide what monthly payment feels comfortable for you. This will help narrow down your search and prevent you from stretching your budget too far.

2. How Much Is the Down Payment on a House in Winnipeg?

Your down payment is the amount of money you contribute toward the purchase price. The rest is generally covered by your mortgage.

In Canada, the minimum down payment depends on the purchase price:

• For homes priced at $500,000 or less, the minimum is generally 5%.

• For homes priced between $500,000 and $1.5 million, the minimum is 5% on the first $500,000 and 10% on the portion above $500,000.

• For homes priced at $1.5 million or more, a minimum 20% down payment is generally required.

Lenders may require a larger down payment depending on your financial situation and mortgage eligibility.

Here are some examples to help you plan.

These figures are illustrative minimums based on the standard Canadian down payment rules. They do not include closing costs.

Do you need a 20% down payment to buy a house?

No. Many buyers purchase a home with less than 20% down. However, a down payment below 20% will typically require mortgage default insurance if the mortgage is eligible for insured financing.

The insurance premium is usually added to the mortgage, while the applicable Manitoba provincial sales tax on the premium must be paid separately.

Before deciding how much to put down, speak with a mortgage professional about your options.

3. Manitoba Land Transfer Tax: A Major Cost to Budget For

One of the most important closing costs when buying a house in Winnipeg is the Manitoba land transfer tax.

This is a provincial tax paid when the property title is transferred to your name. It is calculated using a graduated rate structure based on the purchase price.

The current general rates are:

For example, if you buy a house in Winnipeg for $400,000, your estimated land transfer tax is $5,650.

Here are a few more examples:

These estimates use the general tax rates and do not account for any applicable rebate or exemption.

What about first-time home buyers? Manitoba has offered a first-time home buyer land transfer tax rebate, subject to eligibility requirements and program rules. Check the current provincial requirements with your real estate lawyer before relying on a rebate in your budget.

Because land transfer tax can amount to several thousand dollars, it is important to account for it early in your home-buying plans.

4. What Are the Closing Costs When Buying a House in Winnipeg?

Closing costs are the expenses you pay to complete the purchase, in addition to your down payment.

As a general planning guideline, buyers in Canada are often advised to budget approximately 1.5% to 4% of the purchase price for closing costs. The actual amount depends on the property, financing arrangements, taxes and professional fees.

Here are some common expenses to consider.

Legal fees and disbursements

A real estate lawyer handles the legal transfer of ownership, mortgage registration and other closing requirements. Fees vary, so ask for a detailed estimate that includes disbursements.

Home inspection

A professional home inspection can help identify potential problems with the roof, foundation, electrical systems, plumbing and other components. The price depends on the property and the inspector.

Title insurance

Your lawyer or lender may arrange title insurance to provide protection against certain title-related risks.

Property tax adjustments

If the seller has prepaid property taxes, you may need to reimburse them for the portion applicable to your ownership period.

Appraisal fees

Your lender may require an appraisal to confirm the property's value. Whether you pay for it depends on the lender and mortgage arrangement.

Moving expenses and utility setup

Remember to budget for movers, utility connections, internet, cleaning and other costs associated with settling into your new home.

Example: Buying a $400,000 House in Winnipeg

Let's look at a simplified example of the upfront money you might need.

This is an illustrative budget, not a formal quote. Actual costs may be higher or lower, particularly if there are property tax adjustments, appraisal fees or other expenses.

The total also excludes any mortgage insurance premium, which is generally financed when required, and the associated provincial sales tax payable in Manitoba.

The important point is that a $400,000 home does not necessarily mean you only need $20,000 saved. You should plan for the other expenses as well.

5. What Will Your Monthly Mortgage Payments Be?

Your monthly mortgage payment depends on several factors, including:

• The purchase price of the property.

• Your down payment.

• Your mortgage interest rate.

• Your amortization period.

• Whether mortgage default insurance applies.

For example, a buyer purchasing a $400,000 home with a $20,000 down payment would need a mortgage before applicable insurance costs of approximately $380,000.

The monthly payment on that mortgage will vary depending on the interest rate, amortization and loan terms.

But there is something important to remember: your mortgage payment is only one part of your monthly housing expenses.

When calculating the true cost of owning a home in Winnipeg, remember to include:

• Property taxes.

• Home insurance.

• Electricity, natural gas and water.

• Internet and other utilities.

• Regular maintenance and unexpected repairs.

• Condo fees, if applicable.

A house that looks affordable based on the mortgage payment alone may feel very different once all these expenses are included.

Before you start viewing homes, I recommend getting mortgage pre-approval and asking your mortgage professional to estimate your monthly costs at different purchase prices.

6. How Much Are Property Taxes in Winnipeg?

Property taxes are another important part of your homeownership budget.

In Winnipeg, property taxes help fund municipal services, infrastructure and education-related expenses. The amount you pay depends on your property's assessed value, the applicable tax rates and any credits or adjustments for which you qualify.

Two homes with similar purchase prices can have different property tax bills, so it is worth checking the actual tax information for each property you are considering.

When comparing houses for sale in Winnipeg, I encourage buyers to look beyond the listing price and consider the ongoing costs of owning each home.

This is especially important when comparing properties in different neighbourhoods or evaluating a larger home that may come with higher maintenance and utility expenses.

7. Are There Extra Costs When Buying a New Construction Home?

If you are considering a newly built home in Winnipeg or a surrounding community, make sure you understand what is included in the advertised price.

Depending on the builder and purchase agreement, additional expenses may include:

• Applicable GST and the treatment of any eligible rebate.

• Lot premiums or upgrade packages.

• Landscaping, fencing and a deck.

• Appliances and window coverings.

• Garage or driveway finishing.

• Development charges or other items specified in the agreement.

• Utility connections or other setup expenses.

Not every new build has all these additional costs, and some may already be included in the purchase price.

Before signing a contract, review exactly what the builder is offering and ask for clarification on anything that is not clearly outlined.

New construction can be an excellent option for buyers who want modern finishes and the opportunity to personalize certain features. However, comparing the complete cost of a new home with that of a resale property is essential.

8. How Can You Save Money When Buying a House in Winnipeg?

You do not necessarily need the biggest budget to make a smart purchase. Careful planning can help you make the most of your money.

Here are a few tips I share with buyers.

1. Get pre-approved before you start shopping.

Knowing your financing options helps you establish a realistic budget and makes your home search more focused.

2. Calculate the total cost, not just the purchase price.

Include the down payment, land transfer tax, legal fees, inspection, mortgage costs and ongoing expenses.

3. Explore different neighbourhoods.

Sometimes expanding your search area can open up more choices. Consider what matters most to you: commute time, schools, parks, shopping, property size or access to amenities.

4. Keep money aside for unexpected expenses.

Avoid using every dollar of your savings for the purchase. Having a financial cushion can make the transition into homeownership less stressful.

5. Compare properties carefully.

A home that costs more upfront may have fewer immediate repair needs. On the other hand, a less expensive property may require renovations. Consider the condition of the home and the costs you may face after possession.

6. Ask questions before making an offer.

Understanding the property, its features, potential maintenance needs and the terms of the offer can help you make a more informed decision.

7. Work with professionals who understand the local market.

A knowledgeable real estate agent can help you compare suitable properties, understand market conditions and navigate the buying process. A mortgage professional and real estate lawyer can provide advice on financing and legal costs.

9. Should You Buy a House in Winnipeg in 2026?

Whether 2026 is the right time to buy depends on your personal circumstances, financial readiness and housing needs.

For some buyers, purchasing a home makes sense because they want stability, more space or a property that better suits their family's lifestyle. Others may benefit from taking more time to save a larger down payment or improve their financial position.

There is no single answer that works for everyone.

Instead of trying to predict the perfect time to enter the Winnipeg real estate market, focus on finding a property that fits your budget and your plans for the future.

Consider how long you expect to live in the home, what monthly payment you can comfortably manage and whether you will still have enough savings after closing.

The right home is not necessarily the most expensive one you can qualify for. It is the one that works for your life.

10. How Viktoria Fazekas Can Help You Buy a House in Winnipeg

Buying a home involves many decisions, and it helps to have someone who understands the Winnipeg real estate market guiding you through the process.

I’m Viktoria Fazekas, and I have been in real estate since 2009. I work with buyers to help them find suitable properties, understand their options and navigate each stage of the home-buying journey.

Whether you are a first-time home buyer, moving to a larger house, downsizing or exploring new construction, my goal is to help you make an informed decision with confidence.

Here is how I can help:

• Understand your options: Narrow down properties based on your needs, preferences and budget.

• Explore Winnipeg neighbourhoods: Compare communities, property types and available homes.

• Evaluate properties: Help you look beyond the listing photos and consider the property's features, condition and suitability.

• Navigate offers and negotiations: Guide you through the offer process, important terms and next steps.

• Stay organized through closing: Help you understand the transaction timeline and coordinate with the professionals involved.

You do not need to have everything figured out before reaching out. If you are just starting to explore the possibility of buying a home, I can help you understand where to begin.

Ready to Find Your Home in Winnipeg?

Whether you are looking for your first home, a family property or a newly built house, let's talk about your goals and what is realistic for your budget.

Contact Viktoria Fazekas today to discuss buying a house in Winnipeg and start exploring your options.

Your next home could be closer than you think.

Frequently Asked Questions About Buying a House in Winnipeg

How much money do I need to buy a house in Winnipeg?

The amount depends on the purchase price, your down payment and your closing costs. For a $400,000 home, a 5% down payment is $20,000. You will also need money for land transfer tax, legal costs, inspection fees and other expenses. Mortgage insurance may apply.

What is the minimum down payment for a house in Winnipeg?

For an eligible home priced at $500,000 or less, the minimum down payment is generally 5%. Higher-priced homes have different minimum down payment requirements.

How much is land transfer tax in Manitoba?

Manitoba land transfer tax is calculated using graduated rates, ranging from 0% on the first $30,000 to 2% on the portion above $200,000. For a $400,000 property, the general tax calculation is $5,650 before any applicable rebate or exemption.

What are the closing costs when buying a house in Winnipeg?

Closing costs can include land transfer tax, legal fees, title insurance, home inspection fees, property tax adjustments and other transaction-related expenses. A common planning guideline is approximately 1.5% to 4% of the purchase price, although actual costs vary.

Do I need a real estate agent to buy a house in Winnipeg?

You are not legally required to use a real estate agent to purchase a home. However, an experienced local agent can help you search for properties, assess your options, prepare an offer and navigate the transaction.

Are there first-time home buyer programs in Manitoba?

Eligible buyers may have access to federal home-buying programs and applicable provincial tax rebates. Depending on your circumstances, these may include the First Home Savings Account, the Home Buyers' Plan and a first-time home buyer land transfer tax rebate. Eligibility and program rules vary, so confirm current requirements before including a benefit in your budget.

Is it cheaper to buy a new house or a resale home in Winnipeg?

It depends on the property. A resale home may offer established landscaping and existing upgrades, while a new build may provide modern finishes and warranty coverage. Compare the total purchase price, included features, potential upgrades, maintenance requirements and closing costs before deciding.

What should I do before looking at houses for sale in Winnipeg?

Start by reviewing your finances, getting mortgage pre-approval and estimating your total upfront and monthly costs. Then consider your preferred neighbourhoods, property type and must-have features. Working with a local real estate agent can help you create a focused search.

Disclaimer: This article is for general informational purposes only and is not financial, mortgage, tax or legal advice. Costs and program rules may change. Confirm current rates, eligibility and transaction-specific expenses with the appropriate professionals before purchasing a property.