So, you’ve swiped right, binge-watched entire Netflix series, survived IKEA trips without breaking up, and now you're thinking of buying a house together. First off, congrats! That’s a huge step. And while you may not have rings on your fingers (yet), you're ready to put your names on a mortgage—and that’s serious commitment.

But here’s the deal: buying property as an unmarried couple in Canada (yes, that includes you, dear reader in Winnipeg) isn’t exactly the same as doing it solo or as a legally married couple. There are a few extra hoops to jump through and a few awkward but necessary conversations to have.

No worries—we’ve got you covered. Here’s your no-fluff, full-picture guide to buying a home together without a marriage license.

1. Start With “The Talk” (Yes, Another One)

This might not be as romantic as talking about your dream home, but money matters and expectations need to be crystal clear before anything else.

Discuss things like:

• How much can each of you afford to contribute?

• How will you divide ownership? (50/50? 70/30?)

• Who pays for what—down payment, monthly mortgage, maintenance, property taxes, renovations, emergency repairs, etc.?

• What happens if one of you wants to sell or move out?

• What if things... end?

It may feel a bit like prenup-lite, but trust us—it’ll save you from potential heartache and headaches down the line.

2. Understanding Ownership Structures in Canada

In Canada, there are two main ways to co-own a property:

a. Joint Tenancy

This means equal ownership. If one of you passes away, the other automatically inherits the deceased’s share (called the right of survivorship). It’s simple and tidy—but only if you want it to be exactly 50/50.

Important: In Manitoba (and Canada in general), joint tenancy assumes equal ownership—even if one person pays significantly more. So if you're paying 70% of everything and still agree to joint tenancy, you're essentially gifting your partner the difference.

b. Tenants in Common

This allows for unequal ownership splits—like 60/40 or 70/30. You each own a specific share of the property. If something happens to one partner, their share passes on according to their will, not automatically to the other owner.

This is a great option if one of you is contributing more financially. It’s also more flexible... but comes with slightly more paperwork.

3. Get a Cohabitation Agreement (Seriously, Do It)

This is the most important step.

A cohabitation agreement is a legally binding document that outlines:

• Who owns what percentage of the property

• Who pays for what

• What happens if you break up or one person wants out

• How the equity will be split

• Who gets the dog (okay, maybe not legally binding—but worth discussing!)

Even though Manitoba does recognize common-law relationships after living together for three years (or having a child together), that doesn't mean everything automatically splits 50/50 like it would in a divorce.

The agreement protects both of you—and it shows maturity and foresight, not mistrust.

💡 Pro tip: Hire a lawyer. Better yet, hire separate lawyers to make sure both parties are fairly represented.

4. Nail Down the Finances (A.K.A. Time for Spreadsheets)

Now that the tough talk is done, let’s crunch some numbers. Here are the key financial elements you'll need to sort out:

a. The Down Payment

In Canada, the minimum down payment is:

• 5% for homes under $500,000

• 5% of the first $500K and 10% of the portion over $500K (up to $1M)

• 20% or more if you're avoiding CMHC mortgage insurance

Decide how much each of you is contributing. If it’s unequal, document it clearly.

b. Mortgage Approval

You can apply for a joint mortgage, which means both your incomes and credit scores are considered. That’s great if both your finances are solid.

But… if one of you has less-than-stellar credit, it could affect your rate or approval. In that case, speak to a mortgage broker about your options.

c. Property Title vs. Mortgage

Just because both your names are on the mortgage doesn't automatically mean you both own the property equally. That’s determined by the title—so make sure it aligns with your agreement.

5. Budget for All the Extra Costs

Buying a home in Canada comes with more than just a down payment. Don't forget to account for:

• Closing costs (1.5–4% of the purchase price)

• Legal fees

• Title insurance

• Property taxes

• Home inspection and appraisal fees

• Land Transfer Tax (In Manitoba, you’ll pay this on a sliding scale based on property value. Fun!)

And of course… moving costs, new furniture, and that emergency “why is the basement leaking” fund.

6. Pick the Right Property (and the Right Realtor)

House-hunting as a couple is both exciting and revealing. One of you wants an open-concept modern condo downtown, the other dreams of a character-filled house in St. Boniface. Sound familiar?

Start by listing out your non-negotiables and nice-to-haves, then find the overlap.

Make sure you work with a real estate agent who’s familiar with helping unmarried couples. They can walk you through co-ownership specifics and flag potential red flags.

7. Plan for the “What Ifs” (It’s Not a Jinx, It’s Just Smart)

No one wants to think about breaking up when you’re buying your dream home together—but it’s important. You wouldn’t go on a road trip without checking the spare tire, right?

Your cohabitation agreement should cover:

• What happens if one person wants to sell and the other doesn’t

• A buyout clause

• How to handle disagreements

• Who lives in the home if you split up (especially if kids are involved later)

You’re not planning for failure—you’re planning for peace of mind.

8. Don’t Forget the Insurance Talk

You’ve probably got home insurance on your radar. But don’t stop there.

Think about:

• Life insurance: So the mortgage doesn’t fall entirely on one person if the worst happens.

• Disability insurance: To cover mortgage payments if one of you can’t work for a while.

• Contents insurance: To protect all the stuff inside the home you’re working so hard to furnish.

9. Talk to a Lawyer or Notary Before Signing Anything

Once you’ve made all these decisions, bring in the pros.

Get a real estate lawyer to draft or review your agreement, walk through your mortgage and title setup, and make sure everything is legal and binding. This is not the time to rely on “we trust each other.”

Final Thoughts: Love Smart, Buy Smart

Buying a home together as an unmarried couple in Canada can be a beautiful step forward in your relationship—but it comes with real responsibilities.

Yes, you’re building a future. But you’re also building equity, sharing legal obligations, and creating something that requires solid communication, clear planning, and a lot of honesty.

With the right prep, the right professionals, and a good sense of humour when the reno quotes roll in, you’ll not only survive the homebuying process—you’ll thrive in it.

Ready to take the next step together?
Before you dive into listings, let’s make sure your partnership and paperwork are just as strong as your Pinterest boards.

💡Contact Ty to get connected with Winnipeg-based experts who’ll walk you through every step—with the clarity, care, and coffee you deserve.

Let’s get real for a second: have you ever walked into a room and instantly felt lighter? Or maybe you stepped into someone’s home and couldn’t wait to leave? That’s not just you being picky—that’s your environment working its psychological magic. The spaces we live in have a direct impact on how we feel, think, and function. Yep, your living room might just be low-key controlling your vibe.

Whether you’re buying, selling, staging, designing, or just rearranging your furniture for the fourth time this month (we’ve all been there), understanding the connection between interiors and emotions can be a game changer. So, let’s dive into why our spaces matter and how we can design for better moods and mental clarity.

1. Color Psychology: It’s Not Just a Paint Chip

Let’s start with the big one: color. Color is one of the most powerful tools in interior design because it instantly affects our emotional state.

• Blue is calming and serene—great for bedrooms or offices.

• Yellow can boost energy and mood (hello, sunshine vibes), but too much can cause anxiety.

• Green is restful, soothing, and often linked to nature.

• Red is stimulating and passionate, but also aggressive in large doses.

• Neutrals offer calm and balance, but too much can feel sterile.

Want to feel more grounded? Add earth tones. Need a productivity boost? Try a pop of orange or red in a workspace. Just broke up with someone? Maybe skip the moody blues.

2. Natural Light = Natural Happiness

Science backs it: natural light improves mood, productivity, and even our sleep cycles. Dark, closed-off rooms tend to make people feel more tired, less motivated, and even a little down. If a room feels depressing, check the light situation first.

• Use mirrors to reflect sunlight

• Keep window treatments minimal

• If your home lacks natural light, invest in warm-toned bulbs or daylight lamps

Buyers are drawn to bright spaces because they feel better. Sellers? Open those curtains. Designers? Play with light placement and window focal points.

3. Clutter: The Silent Stressor

You may not notice it right away, but clutter can quietly stress you out. Piles of clothes, random cords, or just too much "stuff" can overwhelm your senses and increase anxiety.

Minimalist doesn’t mean boring. It means curated. It means you walk into your space and don’t immediately feel like your to-do list grew by 17 items. Even if you're not a minimalist, you can still:

• Create designated storage

• Use baskets or built-ins to hide visual clutter

• Do the "one in, one out" rule (for every new item, one must go)

4. Furniture Layout & Flow

How we move through a space affects how we feel in that space. Ever stubbed your toe on a coffee table one too many times? That’s poor layout energy.

• Open layouts feel freeing and social

• Closed or overly crowded spaces feel stifling

• Walkways should be intuitive and unobstructed

Good flow = good mood. It also makes your home feel more spacious, which is a win whether you’re living in it or listing it.

5. Texture, Materials, and the Comfort Factor

There’s a reason we love plush throws, soft rugs, or buttery leather couches. Texture activates our senses. It adds warmth and makes a space feel lived in—not like a showroom.

• Natural materials (wood, linen, wool) evoke calm

• Layered textures add depth and emotional comfort

• Avoid overly cold or synthetic textures if the goal is coziness

This is where interior designers really shine. The right mix of textures can turn an "okay" space into one that people feel at home in instantly.

6. Personalization & Storytelling

Your space should reflect you. Or, if you're staging, it should reflect a version of life that the buyer aspires to. Personalization doesn’t mean chaos. It means carefully chosen pieces that tell a story—photos, art, books, or travel finds.

Personalized interiors:

• Increase emotional connection to the space

• Help with mental clarity and identity

• Make a house feel like a home

This is powerful not just for homeowners, but also for sellers. Buyers often connect emotionally to a staged home that feels lived-in (but not too lived-in).

7. Scent and Sound: The Underrated Mood Shifters

Design doesn’t stop at visuals. What you smell and hear matters.

• Soft background music can make a space feel safe and welcoming

• A diffuser with lavender or eucalyptus can instantly reduce stress

• Avoid harsh chemical smells—they create a subconscious aversion

Real estate agents know this trick. So do designers. It’s called sensory staging, and it works.

TL;DR: A Happy Home = A Happy You

To sum it up, here’s how your home might be shaping your mood:

• The colors are triggering your emotions

• The lighting is either lifting you up or dragging you down

• Clutter is quietly making you anxious

• Bad flow = bad vibes

• Textures are either comforting or cold

• Personal touches make a difference

• Smell and sound complete the experience

Whether you’re staging to sell, buying your forever home, or just upgrading your current nest, small tweaks in your interiors can have a big impact on your mental and emotional well-being.

Want Your Space to Feel Right?

Contact Ty, we get that a home is more than walls and windows. It's where your life unfolds. Whether you're buying, selling, or redesigning, let’s make sure your space feels as good as it looks.

Reach out to us here and let’s make home your happy place.

When the real estate market cools down, things change. Homes take longer to sell, buyers get pickier, and those quick multiple-offer situations we were seeing a year ago? Not so common anymore.

This is where strategy matters.

I’ve worked with plenty of sellers over the years—and if there’s one thing I know, it’s that you can still sell confidently in a slower market. But only if you avoid the common mistakes that trip up so many people.

Here are five big ones—and how to stay one step ahead.

1. Overpricing the Home

Let’s start with the most common (and costly) mistake: asking too much.

It’s tempting, I know. You look at what your neighbour got last year, you think about your upgrades, and you want to push the price a little higher. But here’s the reality: when buyers have more options and more time, overpricing just pushes them away.

What to do instead:
Price your home strategically—not emotionally. I always run a full Comparative Market Analysis (CMA) so you’re basing your list price on data, not guesswork. In this kind of market, the right price attracts serious buyers faster and can still lead to strong offers.

2. Skipping the Prep Work

When homes aren’t flying off the shelf, first impressions become everything. If your place looks outdated, cluttered, or poorly maintained—even slightly—buyers will move on without a second thought.

What to do instead:
Stage it. Declutter. Touch up the paint. Boost the curb appeal. Invest in professional photos (please, no dark iPhone shots). The small stuff makes a big difference. Buyers need to feel something when they walk in—and that starts before they even book a showing.

3. Getting Too Emotionally Attached

This one’s tough. I get that your home means something to you—it’s where life happened. But emotional pricing or turning down solid offers just because “it doesn’t feel right”? That can backfire.

What to do instead:
Take a step back and treat it like a business move. Let your agent (me 👋) help you navigate the numbers, negotiations, and timing. Sellers who stay flexible tend to sell faster—and usually with less stress.

4. Weak or Outdated Marketing

Gone are the days when slapping a listing on the MLS was enough. If your property isn’t being marketed where today’s buyers are looking, you’re missing out.

What to do instead:
Use an agent who goes beyond the basics. That means professional video tours, social media campaigns, targeted ads, reels, open houses, and more. The more eyeballs we get on your home, the better your chances of finding the right buyer at the right price.

5. Waiting for the “Perfect” Time

I’ve seen a lot of homeowners hit pause—hoping the market will bounce back. But here’s the thing: real estate is about timing your life, not timing the market. Waiting too long can mean higher carrying costs, missed opportunities, or listing when competition is even tougher.

What to do instead:
If selling lines up with your goals, let’s make it happen. Don’t wait for conditions to be perfect—let’s use the data and build a smart plan to get it done now.

Final Thoughts

Selling in a slower market isn’t impossible. It just requires a shift in mindset—and the right strategy.

Avoid the emotional traps. Put the work into presentation. And don’t sleep on your marketing. When you do all of that right, you can still sell with confidence (and without regret).

If you’re thinking about selling and want a no-pressure game plan built around your situation, I’m here to help.

Let’s talk about what makes sense for you—now or later.

📲 Send me a message, or book a quick call here. I’ve got you.

When we think about location in real estate, most people focus on square footage or school zones. But in many Canadian cities, proximity to public transit is quickly becoming one of the most influential lifestyle factors—shaping how people live, move, and even spend their money.

Whether you’re a first-time buyer, a growing family, or a seasoned investor, understanding the real value of a transit-accessible home could be the game-changer in your next real estate decision.

1. Less Time Commuting, More Time Living

Living near a major transit route isn’t just convenient—it’s life-enhancing.

Imagine skipping the gridlock and actually having time for a slow morning coffee, walking your kids to school, or hitting a yoga class after work. In cities like Toronto, Ottawa, or Mississauga, a quick walk to a subway or LRT station can save you hours every week.

Forget the stress of traffic and parking—just hop on and go. That’s time you can reinvest in your life.

2. It’s Easier on Your Wallet, Too

Let’s be real: car ownership in Canada is expensive. Between rising gas prices, insurance, maintenance, and parking, costs add up—fast.

Living near reliable public transportation can dramatically reduce or eliminate the need for a car, especially in urban centres. That’s potentially hundreds or even thousands of dollars saved each year—money you can redirect into your mortgage, investments, or just enjoying your lifestyle a little more.

3. Freedom to Explore—Without the Traffic

Transit-oriented living offers something money can’t buy: freedom.

Spontaneous plans? Covered. Last-minute downtown events? Easy. Grocery runs, medical appointments, libraries, and schools? All just a few stops away. And if you don’t drive—or don’t want to—public transit ensures you can still live life fully.

This accessibility is especially helpful for students, seniors, and people with limited mobility, making the neighbourhood more inclusive and dynamic.

4. Transit Access Can Boost Property Value

For homeowners and investors alike, transit access isn’t just convenient—it’s profitable.

Properties near GO train stations, subways, or new LRT projects often see higher resale values and stronger long-term appreciation. Some areas even experience a price jump before transit projects are completed.

For example, condos along Mississauga’s upcoming Hurontario LRT line are already gaining traction among investors anticipating increased demand and rising prices.

Choosing the Right Transit-Friendly Neighbourhood

Not all transit access is created equal. A bus stop may help, but subways, LRT lines, and GO stations usually carry more weight when it comes to convenience and property value.

Also consider:

• Walkability: Are daily essentials like shops, schools, or clinics within walking distance?

• Noise: Living next to a transit hub may mean more sound—sometimes a short walk away offers the perfect balance.

• Future plans: Look at planned transit expansions, not just existing ones. Buying ahead of infrastructure can be a savvy move.

Spotlight on Ontario

• In Toronto, homes near Line 1 and Line 2 continue to attract buyers thanks to direct downtown access.

• In Ottawa, west-end neighbourhoods are evolving quickly with the expanding O-Train.

• In Mississauga, the upcoming Hurontario LRT is set to reshape the entire real estate landscape along its route.

Today’s buyers aren’t just asking about walk scores—they’re checking transit scores too. And it’s changing the way people see value in location.

Final Thoughts

Living near transit isn’t just about saving time on your commute. It’s about choosing a more flexible, connected, and cost-efficient lifestyle—one that offers long-term value both personally and financially.

Ready to Find a Home That Keeps You Connected?

Whether you’re looking to buy, sell, or invest in a transit-accessible neighbourhood, Ty Mitchell can help you make a move that makes sense.
Let’s find a place where convenience meets community.

📩 Contact Ty Mitchell today to start your real estate journey.

Buying or selling a home is one of the most significant decisions you'll make—so it’s important to have the right professionals by your side. If you’ve ever found yourself wondering about the difference between a real estate agent and a broker, you’re not alone. These roles are often used interchangeably, but they have distinct responsibilities, qualifications, and functions—especially in Canada, where real estate is regulated at the provincial level.

Let’s break it down so you know exactly who does what—and who you should turn to depending on your real estate goals.

Real Estate Agent vs. Broker: The Key Differences

Here’s a quick look at the core distinctions between agents and brokers in Canada:

1. Scope of Responsibilities

• Real Estate Agents are licensed to assist buyers and sellers with property transactions. They focus on client relations, home showings, negotiations, and marketing listings.

• Brokers take on a broader set of duties. In addition to everything an agent does, brokers can run their own brokerage, manage agents, and handle legal compliance for transactions.

2. Level of Independence

• Brokers can operate independently and hire agents to work under them.

• Agents, however, must work under the supervision of a licensed broker.

3. Training and Experience

• Brokers complete more advanced training and must often have a few years of experience as an agent before they can qualify for a broker license.

• Agents begin their careers after completing a licensing course and meeting basic provincial requirements.

4. Freedom and Flexibility

• Brokers have the autonomy to run their own businesses, set their schedules, and build a team.

• Agents enjoy flexible schedules but must work within the guidelines set by their managing broker.

5. Earning Potential

• Brokers typically earn more because they can keep a portion of the commission from agents working under them.

• Agents earn commissions per transaction, often splitting their earnings with their brokerage.

Types of Real Estate Agents

Depending on your goals, the type of agent you work with can make a big difference.

1. Buyer’s Agents

Represent homebuyers by helping them find suitable properties, negotiate prices, and navigate inspections and paperwork.

Advantages:

• Strong market knowledge

• Skilled at negotiating favorable terms for buyers

2. Seller’s Agents (Listing Agents)

Work on behalf of property owners to price, market, and sell homes.

Advantages:

• Expertise in home valuation and marketing

• Focused on securing top-dollar offers for sellers

3. Dual Agents

Represent both the buyer and seller in the same transaction. They act as neutral facilitators to help the deal move smoothly.

Advantages:

• Single point of contact

• Balanced approach to both sides (though limited in advocacy due to neutrality)

4. Investment Agents

Specialize in helping investors analyze potential deals, project returns, and navigate property portfolios.

Advantages:

• Deep knowledge of ROI, cap rates, and market trends

• Ideal for clients looking to grow wealth through real estate

Types of Brokers in Real Estate

Brokers also come in different forms, each with a unique role in the transaction process:

1. Real Estate Broker

Fully licensed professionals who often run their own brokerage, manage agents, and oversee transactions.

Advantages:

• Handle complex transactions with legal expertise

• Provide mentorship and structure to their agent team

2. Associate Broker

Holds a broker license but chooses to work under another broker rather than starting their own brokerage.

Advantages:

• Access to broker-level knowledge with the support of an established team

• May transition to full broker independence in the future

3. Transaction Broker

Acts as a neutral facilitator without representing either party exclusively.

Advantages:

• Fair and balanced approach

• Helps both buyer and seller complete the transaction smoothly

Pros of Working with an Agent

• Easier Entry Point: Agents require less training to get started.

• Built-In Support: Agents work under experienced brokers who offer guidance.

• Client-Focused: More time to build relationships with buyers and sellers.

• Commission-Based Income: High-earning potential with the right hustle.

• Flexible Schedules: Great for professionals seeking work-life balance.

Pros of Working with a Broker

• Higher Earning Potential: Brokers can earn from their agents' deals in addition to their own.

• Business Independence: Ability to open and run a real estate firm.

• More Services Offered: Property management, training, and brokerage consulting.

• Leadership Roles: Manage and mentor agents to grow a thriving team.

• Advanced Knowledge: More education and licensing translates to deeper industry insight.

Final Thoughts

Whether you’re buying, selling, or investing in real estate, it’s essential to understand the difference between a real estate agent and a broker. While both play a vital role in making your transaction successful, the level of experience, responsibility, and autonomy they bring to the table can vary significantly.

If you’re not sure which expert is right for you—or if you simply want to talk through your real estate goals with someone who knows the market—reach out to Ty Mitchell today. Whether you need a knowledgeable agent or are exploring your options, Ty is here to help guide you every step of the way.

👉 Contact Ty Mitchell to get started on your real estate journey.

Renovating your bathroom can be one of the most rewarding updates you make to your home—but it also comes with a lot of decisions. Beyond choosing finishes and features you love, it's essential to think about how those choices may impact your home's functionality and even its future resale value.

Whether you're updating a main bathroom, ensuite, powder room, or guest bath, it's a good idea to think long-term—especially if you're considering changes like swapping a bathtub for a walk-in shower or adding accessibility upgrades.

Here are some key factors to consider before diving into your bathroom remodel:

Showers vs. Tubs: What’s the Right Move?

In today’s market, sleek, modern showers have become increasingly popular—especially spacious walk-ins with built-in benches, shelves, or open, doorless designs. These features feel contemporary and convenient, especially for busy households or aging homeowners.

But don’t count out bathtubs just yet.

If your home appeals to young families, a lack of a bathtub might actually work against you. Many parents prefer having a tub for bathing kids, and families often see it as an essential feature. If you only have one bathroom in your home, keeping at least one tub is usually a smart move.

When in doubt, talk to a local real estate expert to find out what features buyers in your area are prioritizing.

Flooring: Style, Safety, and Comfort

Carpet in bathrooms has mostly gone out of style for practical (and hygienic) reasons—but there are still a few important decisions to make when it comes to flooring.

Popular choices today include:

• Porcelain or ceramic tiles

• Waterproof vinyl

• Engineered wood

These materials are durable, easy to clean, and resistant to moisture. For added safety, consider non-slip textures or finishes—especially important in homes with kids or seniors. And for an extra touch of luxury, heated floors can make chilly mornings a bit more bearable.

Vanity Must-Haves

Today’s homeowners are leaning toward vanities that are both functional and beautiful. Double sinks continue to be a favourite, especially in shared bathrooms, while storage-friendly designs help keep clutter out of sight.

Trending vanity features:

• Solid plywood or hardwood construction

• Stone or quartz countertops

• Built-in drawers and shelving

• Comfortable counter height (say goodbye to the squat-and-splash)

Your vanity is one of the focal points of your bathroom, so choose something that’s practical, long-lasting, and suits the overall style of your space.

Designing for Accessibility

If you're planning to age in place—or simply want to make your bathroom more inclusive—accessibility should be part of the design from the beginning. Planning ahead can save you both time and money later on.

Accessibility-friendly bathroom features might include:

• Wide, roll-in showers

• Built-in or movable shower seats

• Handheld, adjustable showerheads

• Wall-mounted grab bars (secured to studs, not suction!)

• Raised toilets

• Support rails around the toilet area

• Easy-turn lever faucets

• Bright, layered lighting

• Non-slip floors and mats

These elements not only make a bathroom more functional for everyone—they can also appeal to a broader range of buyers down the road.

Smart Storage Solutions

Before choosing your storage, consider how the space will be used. A kid’s bathroom might need lots of open shelving and basket space, while a guest bathroom can get by with minimal storage. A master ensuite? That’s where you can splurge on smart solutions.

Creative storage ideas:

• Under-sink cabinets or drawers

• Floating wall shelves

• Recessed wall niches

• Over-the-toilet shelving

• Built-in linen closets

• Storage ladders or towel ladders

• Stylish baskets, carts, or bins

• Mounted wall racks or cubbies

Remember: A clutter-free bathroom looks and feels more spacious—and a well-organized space is always a win for resale.

Final Thoughts

Renovating a bathroom is about more than just pretty tiles and trendy taps. The best bathroom designs strike a balance between function, comfort, safety, and style. Whether you’re planning a small refresh or a complete overhaul, taking the time to think through your choices now can help you create a space you’ll love—while also protecting the long-term value of your home.

Thinking about starting your own bathroom reno? Don’t forget to consult a local expert to help you make the most strategic and stylish choices for your space!

Who (or what) do you turn to when you have questions about real estate?
If you're like most Canadians, you're probably asking Google or even using AI tools to help you get started. And while the internet is a great place to begin gathering general information, it’s not always easy to separate fact from fiction.

That’s where the pros come in.

Working with a REALTOR® ensures that you're getting accurate, up-to-date, and local insights into the real estate market. But if you're still in the early stages of your buying or selling journey, we asked REALTORS® across Canada to weigh in and answer some of the most commonly Googled real estate questions to help guide you in the right direction.

1. What are the steps to buying a home in Canada as a first-time home buyer?

Buying your first home can feel overwhelming, but having a step-by-step plan helps. Here’s a simplified version:

1. Get pre-approved for a mortgage.

2. Hire a REALTOR® to guide you through the process.

3. Start your home search and attend showings.

4. Make an offer when you find the right home.

5. Schedule a home inspection.

6. Finalize your financing.

7. Close the deal and get the keys!

Bonus tip: Look into First-Time Home Buyer Incentives and rebates available in your province.

2. Should I buy or rent a home?

It depends on your lifestyle, financial goals, and how long you plan to stay in one place.

• Buy if you're looking to build equity, settle down, or take advantage of market appreciation.

• Rent if you value flexibility, are saving for a down payment, or plan to move within a few years.

A REALTOR® can help you crunch the numbers and evaluate what makes the most sense for you.

3. What should I expect during the closing period?

The closing period is the time between your offer being accepted and the official transfer of ownership. Expect to:

• Sign lots of paperwork

• Work with your lender to finalize your mortgage

• Coordinate with your lawyer and REALTOR®

• Do a final walkthrough

• Pay your closing costs (including legal fees, land transfer tax, etc.)

4. Can a REALTOR® help me with rentals?

Absolutely! While not all REALTORS® specialize in rentals, many do. They can help you find reputable listings, negotiate terms, and ensure your lease agreement protects your rights.

5. What are some common home buying mistakes and how do I avoid them?

Top mistakes include:

• Skipping mortgage pre-approval

• Not budgeting for closing costs

• Falling in love with a home outside your budget

• Skipping the home inspection

• Going it alone without professional guidance

Avoid these by working with a REALTOR®, staying financially prepared, and asking questions every step of the way.

6. How do I handle multiple offers on my property?

Receiving multiple offers is exciting—but also strategic. Your REALTOR® will help you:

• Review each offer carefully (it's not just about price!)

• Consider conditions and buyer flexibility

• Negotiate to get the best possible terms

In some cases, you may hold a "bidding war" or ask for the highest and best offers.

7. Why do I need to work with a REALTOR®?

REALTORS® bring local market knowledge, negotiation expertise, and access to MLS® listings that you won’t find on public sites. They also:

• Help you avoid costly mistakes

• Act in your best interest

• Make the process smoother from start to finish

Think of them as your guide and advocate in a complex transaction.

8. How do I assess the long-term value of a property?

Key factors include:

• Location (schools, transit, development plans)

• Condition and potential for renovations

• Market trends and comparable sales

• Future resale value

Your REALTOR® can provide a Comparative Market Analysis (CMA) to help you assess if a home is priced fairly and a good long-term investment.

9. What’s the difference between a pre-inspection and a home inspection?

• Pre-inspection: Done before listing a home to spot issues early. It can make a home more attractive to buyers.

• Home inspection: Done after an offer is accepted (often by the buyer) to identify any hidden concerns before finalizing the purchase.

Both are important tools in ensuring a smooth transaction.

10. Can I negotiate the asking price of a property—even in a seller’s market?

Yes, but it depends on the specific property and market conditions. In a hot market, homes may sell for over asking. However, your REALTOR® can guide you on:

• When to offer below asking

• How to craft a competitive offer

• What other terms might strengthen your position

11. Should I buy a home with a pool?

A pool can be a great feature—but it’s not for everyone. Consider:

• Ongoing maintenance and insurance costs

• How often you’ll use it

• Impact on resale (pools may not appeal to all buyers)

Talk to your REALTOR® about whether it aligns with your lifestyle and market trends in your area.

12. What’s the difference between being pre-qualified and pre-approved?

• Pre-qualified: A basic estimate based on self-reported financials. It’s a good starting point, but not a guarantee.

• Pre-approved: A more thorough process that involves verifying your income, credit, and documents. This gives you a much stronger position when making an offer.

Always aim for pre-approval before house hunting!

Final Thoughts

While it’s easy to Google real estate questions, nothing beats the guidance of a trusted REALTOR®. Whether you’re buying your first home, selling your family home, or somewhere in between, having a real expert in your corner makes all the difference.

Need real estate advice tailored to you?
Connect with our team, we ready to help you make your next move with confidence.

Owning an inground pool is like having your own little retreat just steps from your back door—weekend swims, poolside lounging, and memories made with friends and family. But let’s be honest: behind every picture-perfect pool day is some good old-fashioned maintenance.

If you're a new pool owner or just want to keep things running smoothly this summer, here’s a simple breakdown of what it takes to keep that water sparkling and swim-ready.

Start with the Basics: Test and Balance Your Water

Think of your pool water like a science experiment. It needs the right mix of elements to stay clean and safe.

• Test often – Aim for once a week using test strips or a test kit. You’ll want to keep an eye on pH, chlorine, and alkalinity.

• Target that perfect pH – Somewhere between 7.2 and 7.8 keeps the water comfy and your pool equipment happy.

• Keep it sanitized – Make sure chlorine stays between 1-3 ppm to keep bacteria out and the water clear.

Stay on Top of Cleaning

A few minutes a day can save you hours later.

• Skim daily – Leaves, bugs, and other debris are easier to remove before they sink.

• Brush and vacuum weekly – Don’t let algae settle in. A robotic pool vacuum can be a game-changer.

• Empty the skimmer basket – A clogged basket slows down filtration and water flow.

Check Your Equipment Often

Your pump, filter, and accessories do the heavy lifting. Make sure they’re in good shape.

• Run the pump 8–12 hours a day – It keeps the water circulating and filtered.

• Clean or change the filter as needed – A dirty filter = cloudy water.

• Inspect ladders and rails – Safety first! Look for rust or loose parts.

• Backwash when necessary – For sand or DE filters, backwash every few weeks to keep things flowing smoothly.

Winterize Like a Pro

If you're in a colder region, don't skip this step when pool season winds down.

• Balance the water before closing – Adjust pH, alkalinity, and calcium hardness.

• Clean and cover – A tight-fitting, durable cover helps keep your pool clean over the winter.

• Drain equipment – This prevents freezing and expensive damage.

Book a Yearly Pro Inspection

Even if you’ve got everything running like clockwork, a second set of eyes never hurts.

• Annual service checks – A certified technician can spot problems early and save you money.

• Suspect a leak? – If your water levels drop suddenly, don’t wait get it checked out ASAP.

Make It Yours

Once everything’s running smooth, it’s time to add your personal touch. Upgrade your landscaping, hang some string lights, or bring in cozy lounge chairs. Your pool should feel like an extension of your home so make it a space you genuinely enjoy.

💬 Have Poolside Dreams and Real Estate Goals? Ty Can Help.

Whether you’re upgrading to a home with a pool or selling your current place for something new, Ty knows how to navigate the market and get results. Let’s chat about your next move and maybe swap pool care tips while we’re at it. 😉

The sunshine is sticking around a little longer, the air is feeling warmer, and for many Canadians, that can only mean one thing—cottage season is right around the corner! With the Victoria Day long weekend fast approaching, thousands of families are prepping to open up their beloved summer getaways.

But before you kick back on the dock with a cold drink in hand, there’s some work to do. If your cottage sat empty all winter, it needs a little TLC before it's ready for another season of memory-making.

Here’s a step-by-step guide to help you get your cottage ready for summer—stress-free and safe.

Start Before You Hit the Road

Cottage season prep begins before you even arrive. In the weeks leading up to your trip, reconnect with essential service providers and make sure everything is lined up.

✔️ Call your utility companies to restart services like electricity, internet, propane, and gas
✔️ Reinstate garbage pickup or water delivery if it was paused
✔️ Schedule appointments for chimney sweeping or septic inspections
✔️ Double-check your cottage insurance—and if you have boats, trailers, or ATVs, review those policies too

And don’t forget your “open-up kit”: keys, tools, cleaning supplies, fresh batteries, light bulbs, pest control, and anything else that might save you a trip to the nearest hardware store.

Walk the Property First

Once you arrive, give your lot a good once-over before diving in. Look for any damage caused by winter storms or critters looking for shelter.

🔎 Check the roof for loose shingles, gutters for blockages, and look out for fallen branches
🔎 Inspect decks, siding, and windows for signs of wear or rot
🔎 Watch for signs of animal intruders or broken seals that might’ve let the cold in

When you step inside, open all the windows to get air circulating. Look for damp spots, musty smells, or any signs of mold around windows and doors. If anything serious pops up, give your insurance provider a heads-up right away.

Restore Water & Power Safely

Now that the space has been inspected, it’s time to bring the essentials back to life.

For water:
✅ Check for cracked or disconnected pipes
✅ Reconnect plumbing and turn on the main valve slowly
✅ Flush the system and change filters if needed

Cottages with lake-drawn or well water systems might need some extra care—or a professional checkup.

For power:
✅ Look over exterior power lines and your meter for damage
✅ Flip the main breaker, then test outlets and appliances one by one

Refresh Your Outdoor Spaces

Summer isn’t summer without a great outdoor setup. So before the long weekend BBQs begin, show your yard, deck, and dock some love.

🌿 Rake up any branches, leaves, and leftover debris
🌿 Trim overgrown plants and remove dead limbs from trees
🌿 Inspect the dock for loose boards or signs of water damage
🌿 Clean and inspect outdoor furniture, BBQs, firepits, and recreational gear

Tip: Add fresh flowers, string lights, or new cushions to instantly boost that cozy cottage vibe.

Stock Up on the Essentials

Before you settle into cottage mode, run through a quick safety checklist:

✔️ Replace batteries in smoke and CO detectors
✔️ Refill the first aid kit and inspect fire extinguishers
✔️ Swap out HVAC filters if you have a central air system

Small details like these can make all the difference when it comes to enjoying a worry-free season.

Ready, Set, Relax!
Once the work is done, the only thing left to do is sit back, breathe in that fresh lakeside air, and enjoy everything cottage life has to offer.

Image Suggestion for the Blog

Scene Description:
A cozy lakeside cottage at golden hour with open windows, a freshly swept deck, Adirondack chairs (Muskoka style), and someone sipping coffee or wine while looking at the lake. There’s a rake and some gardening tools set aside, hinting that the work is done and it’s time to relax.

Would you like me to generate that image for you now?

Thinking of Buying or Selling a Cottage This Season?

Whether you're opening your cottage for another summer of memories or dreaming about owning your own lakeside escape, Ty's here to help. From market insights to tailored real estate guidance, he's just a call or message away.

Bank of Canada Holds Interest Rate at 2.75%, Warns Trade War Could Lead to Recession

On April 16, 2025, the Bank of Canada (BoC) announced its decision to maintain the target for the overnight rate at 2.75%, marking a pause after seven consecutive rate cuts. This decision reflects the central bank's cautious approach amid escalating trade tensions and economic uncertainties.

Economic Context and the Impact of U.S. Tariffs

The Canadian economy ended 2024 on a strong note, with inflation near the 2% target and increased household spending. However, the introduction of new U.S. tariffs on Canadian goods, including steel, aluminum, and automotive products, has introduced significant volatility into financial markets. Governor Tiff Macklem described this situation as a "once-in-a-century economic shock," highlighting the unprecedented nature of the disruptions caused by recent U.S. trade policies

Bank of Canada's Response and Economic Outlook

In response to these challenges, the BoC has opted for a cautious approach. Rather than providing a single economic forecast, the BoC has presented two scenarios to account for the potential outcomes of U.S. trade policies. In the first scenario, where tariffs are limited in scope, the Canadian economy may experience weak growth. In the second, more severe scenario, a prolonged trade war could lead to a significant and prolonged recession .​

Global Economic Implications

The repercussions of the U.S. tariffs extend beyond Canada's borders. Global financial markets have experienced turmoil, with sharp declines in stock markets and a weakening U.S. dollar. The World Trade Organization (WTO) has warned that these tariffs could reverse global trade growth, lowering its forecast from +2.7% to a -0.2% decline .​

Looking Ahead

As the situation develops, the Bank of Canada remains prepared to act decisively if incoming information points clearly in one direction. The central bank's primary objectives are to ensure that inflation remains under control and to support economic growth during these uncertain times .​

Conclusion

The Bank of Canada's decision to hold the interest rate steady reflects the complex and unpredictable economic landscape shaped by international trade tensions. While the immediate future remains uncertain, the BoC's cautious stance underscores its commitment to navigating these challenges effectively. For more detailed information on the Bank of Canada's policies and economic outlook, you can visit their official website at bankofcanada.ca.​

For a more in-depth understanding of the Bank of Canada's recent interest rate decision, you can watch the following video: Bank of Canada holds interest rate steady amid tariff turmoil

Need Guidance on How the Latest Interest Rate Decisions Affect You?

The Bank of Canada's decision to hold interest rates at 2.75% in response to global trade tensions could have significant implications for homeowners, investors, and businesses alike. If you're unsure how this decision impacts your financial strategy or if you're looking for expert advice on navigating the current economic landscape, we're here to help.

Contact us today for personalized insights and assistance in managing your investments or real estate decisions in these uncertain times. Let’s work together to ensure you make informed, confident choices moving forward.

As short-term rentals (STRs) become more common, cities around the world are putting regulations in place to manage their growth. Winnipeg is no exception, introducing a set of rules designed to ensure that STRs benefit both property owners and the broader community. These regulations aim to safeguard housing availability and maintain neighborhood integrity while allowing homeowners and investors to take advantage of the STR market. If you're planning to operate an STR in Winnipeg, here’s a breakdown of what you need to know.

Obtaining Your Business License

In Winnipeg, anyone operating a short-term rental is required to secure a business license from the City of Winnipeg. Each rental property needs its own individual license, which must be renewed annually. This licensing process ensures that STRs are legally registered and adhere to city guidelines.

Considering Property Ownership? Here Are Some Helpful Resources:

• 6 Potential Insurance Challenges for Home Buyers

• Is the Winnipeg Real Estate Market Becoming More Valuable?

• Moving Up From a Condo? A Guide to Buying and Selling

Primary Residence Rule: What You Should Know

A key regulation is that, starting February 23, 2023, only primary residences are allowed to be used as short-term rentals for new property purchases. This rule is intended to curb the trend of investors converting multiple properties into full-time STRs, which can contribute to the shortage of long-term rental housing. However, if you purchased additional properties before this date, you're still permitted to operate up to three non-primary residences as STRs.

Rental Night Limits: What’s Allowed and What’s Not

• If you’re not staying on the property, you can only rent it out for up to 150 nights per year.

• If you remain on-site during a guest's stay, there are no limits on the number of rental nights.

• Individual bookings are capped at 29 consecutive nights to ensure STRs aren’t used as long-term rentals.

Taxes and Fees to Keep in Mind

Winnipeg charges a 6% accommodation tax on STR bookings, which is comparable to the tax imposed on hotels. Hosts are required to collect this tax from guests and remit it to the city on a quarterly basis.

New to Home Buying? These Posts Can Guide You:

• Navigating the FHSA: A Valuable Tool for First-Time Home Buyers in Winnipeg

• Should First-Time Buyers Aim for a Forever Home or Something Else?

• What to Know Before Buying a Condo (Besides the Unit Itself)

Ensuring Safety and Compliance

To maintain a safe environment for guests and preserve neighborhood safety, STR operators in Winnipeg must adhere to specific guidelines:

• Human Trafficking Awareness: Hosts must display information provided by the National Human Trafficking Education Centre within their rental properties.

• Fire Safety: Smoke detectors, carbon monoxide detectors, and fire extinguishers must be in good working condition in all rental properties.

• Emergency Protocols: A posted emergency contact number and evacuation plan must be available for guests.

Why These Regulations Matter

Winnipeg’s updated short-term rental regulations are designed to strike a balance between home-sharing and community well-being. By enforcing proper licensing, taxation, and safety measures, the city aims to prevent challenges such as the over-conversion of properties into STRs, potential disruptions to neighborhood stability, and safety risks for guests.

If you're considering operating an STR in Winnipeg—whether you're new to the scene or an experienced host—it's crucial to stay informed and ensure your business remains compliant with these new rules to avoid fines or even losing your license.

For more detailed information on licensing and compliance, check out Winnipeg.ca.

Ready to Navigate the Short-Term Rental Market with Confidence?

Whether you're a seasoned investor or a first-time host, staying ahead of the regulations and ensuring your property is compliant is key to a successful short-term rental business. If you need assistance understanding the new rules, securing your business license, or managing your STR operations smoothly, we’re here to help!

Reach out to us today and let’s make sure your short-term rental in Winnipeg is running smoothly, legally, and profitably. https://tysellswpg.com/ to get started!

Embarking on the journey to homeownership in Winnipeg presents a pivotal decision: should you invest in a brand-new construction or opt for a resale home? Each choice offers distinct advantages and considerations. This comprehensive guide delves into the pros and cons of both options, helping you make an informed decision aligned with your lifestyle, budget, and long-term goals.

Advantages of Buying a New Construction Home in Winnipeg

1. Customization Opportunities

Purchasing a new build often allows for personalization. From selecting floor plans to choosing finishes like countertops and flooring, you can tailor your home to reflect your style and needs. This is particularly beneficial if you're planning for future family growth or specific lifestyle requirements.

2. Modern Design and Features

New homes are constructed with contemporary living in mind. Expect open-concept layouts, energy-efficient appliances, smart home technology, and modern amenities that cater to today's homeowners.

3. Lower Maintenance Costs

With everything brand new, maintenance expenses are typically minimal in the initial years. Additionally, most builders offer warranties covering structural components and major systems, providing peace of mind.

4. Energy Efficiency

New constructions adhere to current building codes, incorporating energy-efficient materials and systems. This not only reduces your environmental footprint but can also lead to significant savings on utility bills.

Considerations When Buying New Construction

1. Higher Initial Costs

New homes often come at a premium compared to resale properties. Upgrades and customizations can further increase the overall cost.

2. Longer Wait Times

Depending on the construction stage, there might be a waiting period before you can move in. Delays due to weather or supply issues can extend this timeline.

3. Developing Neighborhoods

New developments may lack mature landscaping and established community amenities. It might take time for schools, parks, and shopping centers to be built nearby.

4. Additional Expenses

Items like window coverings, landscaping, and fencing are often not included in the base price. Budgeting for these extras is essential.

Benefits of Purchasing a Resale Home in Winnipeg

1. Established Neighborhoods

Resale homes are typically located in mature communities with developed infrastructure, including schools, parks, and shopping centers. The presence of mature trees and landscaping adds to the neighborhood's charm.

2. Unique Character and Architecture

Older homes often feature distinctive architectural details and craftsmanship not commonly found in new builds. If you appreciate character and history, a resale home might appeal to you.

3. Immediate Availability

Resale homes are usually move-in ready, making them ideal if you're on a tight timeline or prefer to avoid the uncertainties of construction delays.

4. Potential for Negotiation

There's often more room for price negotiation with resale properties, especially if the home has been on the market for a while.

Considerations When Buying a Resale Home

1. Maintenance and Repairs

Older homes may require updates or repairs, such as roof replacements, plumbing upgrades, or electrical system enhancements. These can add to the overall cost of ownership.

2. Limited Customization

Unless you're planning a renovation, you're purchasing the home as-is. This might mean compromising on certain features or layouts.

3. Energy Efficiency

Resale homes might not be as energy-efficient as new constructions, potentially leading to higher utility bills.

4. Competitive Market

Desirable resale homes in established neighborhoods can attract multiple offers, leading to bidding wars and increased prices.

🔍 Making the Right Choice for You

When deciding between a new construction and a resale home in Winnipeg, consider the following:

• Budget: Determine what you can afford, including potential renovation or upgrade costs.

• Timeline: Assess how quickly you need to move in.

• Lifestyle Needs: Consider your preferences for customization, neighborhood amenities, and home features.

• Long-Term Goals: Think about your plans for the future, including family growth and resale value.

Winnipeg Real Estate Market Insights

Winnipeg's real estate market offers a diverse range of options for both new constructions and resale homes. According to local real estate experts, the city's affordability and variety make it an attractive destination for homebuyers. Whether you're seeking a modern, customizable new build or a charming, established resale property, Winnipeg has something to offer.

📞 Ready to Explore Your Options?

As a dedicated Winnipeg real estate agent, I'm here to guide you through every step of your home-buying journey. Whether you're leaning towards a new construction or a resale home, I can provide insights, resources, and support to help you make the best decision for your unique situation.

Contact me today to schedule a consultation and start your journey to homeownership in Winnipeg!