Like it or not Uber is here to stay for the foreseeable future, despite the fact that the company’s main service is technically illegal.
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Mortgage rates in Winnipeg
With over 749,607 residents, Winnipeg is home to more than half of Manitoba's population. Winnipeggers enjoy relatively low housing costs compared to other provinces, putting them in the driver’s seat when they’re shopping for a loan.
Factors that affect your Winnipeg mortgage rate
If you are looking for the lowest mortgage rate available, here are some of the factors that Winnipeg lenders consider when deciding their rate:
Conventional and high-ratio mortgage rates in Winnipeg (2023-2024)
When it comes to conventional and high-ratio mortgage rates in Winnipeg, and Manitoba at large, the overall trend has been downward so far, which is fantastic news for home buyers.
Conventional 5-year fixed mortgage rates vs. high ratio 5-year fixed mortgage rates in Manitoba
| Date | Average Conventional Rate |
|---|
Fixed and variable mortgage rates in Winnipeg (2023-2024)
Fixed rates and variable rates have both been trending downward in 2024.
5-year fixed vs. 5-year variable mortgage rates in Manitoba
| Month | Fixed | Variable |
|---|---|---|
Average value of new mortgage loans in Winnipeg (2019-2024)
The average value of new mortgage loans in Winnipeg reached its peak in Q3 2022. Due to Bank of Canada’s interest rate hikes that started in March 2022, home prices went into a cooldown period between Q3 2022 and Q1 2023 (as reported by the CMHC). This led to a sharp decrease in the new mortgage loan value from Q4 2022 to Q2 2023, preventing many people from qualifying for larger loans.
Average mortgage monthly payment in Winnipeg (2019-2024)
Much like the average value of new mortgages in Winnipeg, average monthly payments have seesawed in line with the rising, then declining, interest rates.
Mid 2022, after the rates started to rise, was a turning point, as monthly payments started to increase dramatically. From Q2 to Q3 2022, payments increased from $1,327 to $1,506, according to the CMHC. That’s an increase of more than 13%. It reached a peak of $1,624 in Q3 2023.
Current Winnipeg housing market and home prices
Winnipeg closing costs and land transfer tax
Manitoba, and by association, Winnipeg require homebuyers to pay land transfer tax, and registration fees when registering a transfer of title.
Land transfer tax is calculated based on market value of a property on the date of the registration of a transfer of title. It is calculated as follows:
Your questions about Winnipeg mortgages, answered.
How can I find the best mortgage rates in Winnipeg?
Joel Kranc
About the Author
Joel Kranc is an award-winning writer, author and journalist.
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You own a motorcycle and that's pretty cool. But being cool isn't enough — by law, you also need to carry motorcycle insurance.
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Because motorbike insurance is required by law in Canada, for starters. The mandatory minimum coverage for includes the following:
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