For Buyers
The Manitoba Buyer's Guide
The Process
Buying in six steps
- 01
Get Pre-Approved
Before you tour a single home, get a pre-approval from a mortgage lender. This tells you your real budget — not an estimate — and makes your offers credible to sellers. Trevor works with trusted local brokers who can move quickly.
- 02
Define Your Criteria
Neighbourhood, size, layout, must-haves vs. nice-to-haves. Getting clear on this saves time and prevents offer regret. Trevor will help you pressure-test your list against what's actually available in your budget.
- 03
Search & Tour
Your saved search in My Account will alert you the moment matching homes hit the market. In a competitive neighbourhood, speed matters. Tour quickly and decide confidently.
- 04
Make an Offer
An offer in Manitoba includes price, conditions (financing, inspection), irrevocable date, and possession date. Trevor will advise on every element based on the specific property and current market.
- 05
Condition Period
Once accepted, you typically have 7–14 days to complete your financing confirmation and home inspection. If either doesn't work out, you can walk away. This is your protection window.
- 06
Waive Conditions & Close
Once conditions are satisfied, you go firm. Your lawyer handles the title transfer, and Trevor walks you through possession day — keys, utility transfers, and what to expect.
FAQ
Common Questions
Minimum 5% on homes under $500K, 10% on the portion above that up to $999K, and 20% on $1M+. Most buyers also budget an extra 1.5–3% for closing costs.
From starting your search to possession, most buyers take 1–4 months. The condition period is typically 7–14 days once an offer is accepted.
Yes. A real estate lawyer handles your title search, reviews documents, and processes the transfer on closing day. Trevor can connect you with trusted local lawyers.
If your down payment is less than 20%, you'll pay a one-time insurance premium (added to your mortgage) that protects the lender. It ranges from 2.8% to 4% of the mortgage amount.
Ask Trevor
Talk to Trevor
Choosing a neighbourhood, arranging a showing, working out what you can realistically afford, or making an offer — ask, and Trevor will answer. No account needed and no obligation.
Ongoing, for free
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