First-time buyers & newcomers
Buying your first home, or your first home in Canada? Let's go step by step.
Ramjit Dhaliwal, REALTOR® | Real Broker Manitoba Ltd.
Getting started
- Budget and pre-approval. Talk to a lender or mortgage broker about what you can afford and what documents you'll need. Newcomers may have different documentation options; ask your lender.
- Closing costs. Plan for legal fees, Manitoba land transfer tax, title insurance or survey costs, and moving costs. Your lawyer can estimate these.
- Government programs. Federal programs for first-time buyers may apply to you. Check the current rules with the Government of Canada and your financial advisor.
- Choosing an area. Think about commute, schools, transit and services. See my neighbourhood guides.
- Your team. A REALTOR®, lender, home inspector and lawyer each play a part. I can share names; you choose who to hire.
This page is general information, not legal, tax or financial advice.