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Closing Costs in Winnipeg, Manitoba

Buying or selling a home in Manitoba involves more than just the purchase price, it also involves closing costs. Closing costs are additional expenses incurred beyond the homes purchase price, these fees cover various services essential for finalizing a real estate transaction.


Buyers Closing Costs:

For buyers, closing costs typically range from 1.5% to 3% of the homes purchase price, excluding the down payment. Several factors influence these costs, including specific terms of the offer and mortgage details.

  1. Contingencies in the offer: Depending on the offers terms, additional costs may arise. For example, if you would like a home inspection to be completed, this will typically cost around $500. While not mandatory, many buyers opt for a home inspection to ensure the property’s condition.
  2. Mortgage details: Mortgage terms and conditions, such as mortgage default insurance and appraisal fees can impact closing costs significantly.
  3. Legal Fees: Legal services and administrative fees are crucial for a smooth property transfer. These may include title searches, title insurance, and land transfer tax.
  4. Other costs: Additional closing costs for buyers may include property insurance, GST (for new or substantially renovated homes), and moving expenses.


Sellers Closing Costs:

Sellers also incur closing costs which include real estate commissions, legal fees, and any outstanding taxes or mortgage related expenses associated with the property. Additionally, sellers closing costs may also include the final water bill, and moving expenses.

Closing costs are an inevitable part of the purchase and sale process. Having a general understanding of what closing costs may apply to you will allow you to better prepare for the purchase or sale of a home and mitigate the risk encountering unforeseen fees during this process.


Looking for a quote on the expenses ahead? Please be sure to reach out.  I'm happy to help you gather the information you need to make your moving decision!


closing costs in winnipeg manitoba#AgentSheyla


Sheyla Duncan

Phone: (204) 871-3228
Email: Sheyla@JenniferQueen.com

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Navigating the Post-Offer Phase: What Happens After Your Offer is Accepted

Congratulations! Your offer has been accepted. Before you start celebrating, there are crucial steps to navigate in the post-offer phase. While you may think most of the work is done, this is the time you need to ensure you are on top of everything, listening to your Realtor, & meeting deadlines. For many buyers, the post-offer phase can seem mysterious. While much focus is placed on finding the perfect home and making an offer, what happens after is equally important.


Securing Your Deposit:

Once both parties have signed the offer to purchase confirming acceptance of your bid, your Realtor will likely arrange for the collection of your deposit. This deposit isn’t just a financial commitment; it demonstrates your intent to proceed with the purchase. Typically, the deposit is required within 24 hours of acceptance and can be made through a bank draft, certified cheque, or e-transfer.


Meeting Condition Deadlines:

Many offers come with conditions or contingencies that must be fulfilled within specified deadlines. Common conditions include financing approval and a home inspection. These deadlines typically range from 3-7 days from acceptance. Effective scheduling and communication with your bank, inspector, and Realtor are crucial for meeting these deadlines seamlessly.


Finalizing Conditions:

Once your conditions are satisfied, it is time to sign off on them, solidifying the deal and transforming it into a firm sale. Congratulations, you’ve officially purchased a home! If the home inspection was to reveal unsatisfactory results or financing approval isn’t secured, this phase offers the opportunity to terminate the transaction, with your deposit remaining refundable.


Preparing for Possession:

As we transition from meeting deadlines to preparing for possession day, there is a slight slowdown in activity. Depending on the possession timeline, you’ll begin sorting through belongings, packing up, and considering important tasks like mail forwarding and notifying address changes. Stay in touch with your mortgage specialist and lawyer to finalize details, and before you know it possession day will arrive!


Navigating the post-offer phase is a crucial part of the home buying process. With guidance from your Realtor and effective communication, you can ensure a smooth transition from offer acceptance to possession day. 


real estate advice in winnipeg manitoba#AgentSheyla


Sheyla Duncan

Phone: (204) 871-3228
Email: Sheyla@JenniferQueen.com

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What Stays with a Home When You Buy

When buying a home, it is essential to understand what is included in the purchase and remains with the property, and what is the personal property of the seller and will be taken with them when they leave.

Fixtures vs. Chattels:

Fixtures are the immovable elements of a home, including built-in features and permanently attached items. They are considered part of the real estate and are typically included in the purchase unless otherwise specified in the contract. On the other hand, chattels are moveable items or personal property that is not permanently affixed to the property. Chattels are not automatically included in the purchase and need to be explicitly outlined in the contract.


Visualizing the Difference:

Imagine holding a house in your hands. When you flip it upside down and shake it, whatever falls out would be considered a chattel, while whatever remains fixed or attached to the home is a fixture. While there may be a few grey areas, this analogy generally helps decipher between fixtures vs chattels. Some fixtures, like built in cabinetry and light fixtures, are obvious. Meanwhile, chattels such as a couch or table and chairs are clearly movable and the personal property of the seller. However, there are items in between that the buyer may be unsure of, this is where clear communication and documentation become crucial.


Negotiations & Clarity:

Certain chattels are commonly included in a home sale, such as appliances and larger items like hot tubs or storage sheds. It is important to note that their inclusion is not automatic, and they must be written into the offer to purchase. It is essential for both parties to clearly communicate their expectations and come to an agreement on what stays vs. goes. The purchase agreement serves as your roadmap, outlining what is included in the sale and what is not. Chattels that are to be left with the property must be written into the offer to purchase for the buyer to safely assume they will stay in the home come possession.


Final Advice:

Never assume anything when it comes to what stays with a home. If an item is crucial to you, ensure it is explicitly mentioned in your contract. While incorporating a specific item of personal property from the seller into your offer doesn’t guarantee its inclusion, it initiates the opportunity for discussion and negotiation. Your Realtor is instrumental in guiding you through this process, addressing concerns, and ensuring a smooth transaction. Lean on them for support and don’t hesitate to ask if you’re unsure! With clear communication and proper documentation, you can ensure you know what to expect will be there when you move into your new home.


Want advice on what should stay and what should go?  Please be sure to reach out!


real estate advice in winnipeg manitoba#AgentSheyla


Sheyla Duncan

Phone: (204) 871-3228
Email: Sheyla@JenniferQueen.com

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Buying and Selling: What Should You Do First?

Deciding to sell your current home and buy a new one can be an overwhelming task, especially when you’re unsure of the best sequence of events. Should you sell your current home first or buy your new home before selling? Each approach has its own set of advantages and drawbacks, and understanding these can help you make an informed decision. Let’s dive into the pros and cons of each option.


Selling First

Pros:

  1. Financial Clarity: By selling your home before buying a new one, you gain financial clarity. Knowing the exact amount of equity, you have from the sale allows you to determine your budget for purchasing your next home.
  2. Stronger Negotiation Position: With your current home sold, you’re in a stronger negotiation position when making an offer on your next home. You won’t need to include a contingency of the sale of your current property, giving you an advantageous position.
  3. Reduce Stress: Selling first can reduce the stress of carrying two mortgages or worrying about the timing of selling and buying simultaneously. It allows for a smoother transition between homes.

Cons:

  1. Temporary Housing: Selling your home before buying may require you to find temporary housing while you search for your next home.
  2. Limited Options: Without a place to move into immediately, you may feel rushed to find a new home, limiting your options or potentially settling for a property that doesn’t fully meet your needs.


Buying First

Pros:

  1. No Rush: Buying your next home before selling your current one gives you the luxury of time. You can carefully search for the perfect property without feeling pressured to make a rushed decision.
  2. Smooth Transition: Moving from one home to another is seamless when you already have your next home secured. There is no need for temporary housing or storage arrangements.

Cons:

  1. Financial Strain: Buying before selling means you may have to carry two mortgages simultaneously, which can strain your finances.
  2. Pressure to Sell: Without the buffer of time provided by selling first, you may feel pressured to sell your current home quickly, potentially leading to accepting a lower offer.
  3. Contingency Challenges: If you require the funds from your current home to purchase your next home, you will need to insert a contingency that your offer is subject to the sale of your current home. In competitive markets, this makes your offer less likely to be accepted.


There is no one-size-fits-all answer to selling or buying first. Each option comes with its own set of pros and cons which must be weighed carefully based on your individual circumstances and preferences. Whether you prioritize financial stability, flexibility, or minimizing stress, considering these factors can help you make the best decision for your situation.


Want professional advice on what is right for you?  Reach out!


Best realtors in winnipeg manitoba#AgentSheyla


Sheyla Duncan

Phone: (204) 871-3228
Email: Sheyla@JenniferQueen.com

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What to do in Winnipeg in March!

Well, March is here... and as they say: "In like a lion, out like a lamb"... well that better be the most quiet, lamb you ever did here.  


In all seriousness though, after the warm winter we've had, where snow had difficulty simply sticking to the ground, a last (and heavy) snowfall seems nice.  


We have assembled another list of What to Do in March.  For those that find this type of content interesting, I highly encourage you to signup for our newsletter HERE.  In this newsletter, we share a list of fun things coming up (similar to this), some insights, giveaways, and useful content.  I promise, it is nothing spammy and it is only once a month.  It is purely in place to keep our peeps "in the know".  


Without further adieu, here is what you came here for:

✨ Winnipeg Jets Home Game Schedule (all evening games this month)
  • March 5th Seattle Kraken
  • March 11th Washington Capitals
  • March 13th Nashville Predators
  • March 15th Anaheim Ducks
  • March 26th Edmonton Oilers
  • March 28th Vegas Golden Knights
  • March 30th Ottawa Senators
✨ Manitoba Moose Home Game Schedule
  • March 2nd Texas Stars, 2 p.m. start
  • March 3rd Texas Stars, 2 p.m. start
  • March 19th Grand Rapids Griffins, 10 a.m. start
  • March 20th Grand Rapids Griffins, 7 p.m. start
  • March 23rd Abbotsford Canucks, 2 p.m. start
  • March 24th Abbotsford Canucks, 2 p.m. start
  • March 27th Toronto Marlies, 7 p.m. start
  • March 29th Toronto Marlies, 2 p.m. start

✨ March 1st to March 23rd - Infinite Horizons at 125 Adelaide Street


✨ March 1st Passage to Freedom – Documentary Screening and Panel Discussion. At the Manitoba Museum


✨ March 1st on - First Fridays in The Exchange. Galleries, artists, shops and restaurants stay open late


✨ March 1st and 2nd - Winnipeg Whiskey Festival at The Fairmont


✨ March 1st to April 5th - Printed Flight // Lisa Matthias at Martha Street Studio


✨ March 2nd – Lake Shaker, annual winter party at Fort Whyte Alive


✨ March 2nd - Virtuosi Concerts presents With sick and famish’d eyes, at Winnipeg Art Gallery


✨ March 2nd - One Night With The King - 3 World Champion Performers! Club Regent Event Centre


✨ March 2nd - William Prince Joy Canadian Tour 2024 at Centennial Concert Hall


✨ March 2nd – The Great Canadian Road Trip: Doc Walker, Michelle Wright & Jason McCoy, at Club Regent Event Centre


✨ March 2nd and 3rd - WSO presents Sultans of String at Burton Cummings Theatre


✨ March 3rd - The End Is Nye! An Evening with Bill Nye the Science Guy at Centennial Concert Hall


✨ March 4th - Big Sugar at Burton Cummings Theater


✨ March 4th - JOURNEY 50th Anniversary Tour at Canada Life Centre


✨ March 5th Alan Doyle Welcome Home Tour with Special guest Adam Baldwin at Burton Cummings Theatre


✨ March 5th - Music ‘N’ Mavens presents From Bach to AC/DC at Rady Jewish Community Centre


✨ March 6th to 10th - Inhibition Exhibition 2024 at Crescent Fort Rouge United Church


✨ March 6th - Music ‘N’ Mavens presents Onna Lou Sings Songs of Latin America at Gwen Secter Creative Living Centre


✨ March 7th - Women's Day Concert by The Winnipeg Jazz Orchestra 3.0 at the West End Cultural Centre


✨ March 7th to 10th - Winnipeg Rock N' Gem Show - the LARGEST Gem and Mineral Show in Canada. Red River Exhibition Park.


✨ March 7th - WSO presents Pouliot Plays Sibelius at the Centennial Concert Hall


✨ March 7th - WSO presents Grieg UnTuxed at Centennial Concert Hall


✨ March 8th - Ministry with special guests Gary Numan and Front Line Assembly at Burton Cummings Theatre


✨ March 8th and 9th - Bryan Hatt at Yuk Yuk’s Winnipeg


✨ March 8th to 23rd - Rise, Red River at Théâtre Cercle Molière


✨ March 9th - Evening Astropub. Enjoy food, drinks, and a trip through the stars! At FortWhyte Alive inside the Star Dome.


✨ March 9th - Sustainability Tours at The Leaf Tours start at 1:00 pm and are roughly 30 minutes long.


✨ March 9th to 10th - Matt Rife ProbleMATTic World Tour at Burton Cummings Theatre


✨ March 9th and 10th - 2024 Canadian Senior & Yout Kyorugi and Poomsae National Championships at RBC Convention Centre


✨ March 9th & 10th - Pain to Power A Kanye West Musical Protest at The Rady Jewish Community Centre


✨ March 9th - PegSpo Winnipeg Sports Collectibles Expo Show at RBC Convention Centre Winnipeg


✨ March 9th & 10th - Royal Winnipeg Ballet presents Steppin’ Out at The Royal Winnipeg Ballet Founders' Studio


✨ March 10th – 16th Freeze Frame International Film Festival for Kids of All Ages at the Centre Culturel Franco-Manitobain


✨ March 12th - Music ‘N’ Mavens presents Tom Jobim: Where’s the Love? At Rady Jewish Community Centre


✨ March 12th – 13th - Jordan Welwood at Rumor's Restaurant and Comedy Club


✨ March 13th - The Leaf After Dark: Adults Only Nights at the Leaf


✨ March 13th - Corb Lund - The El Viejo Release Tour with special guest 49 Winchester! At the Burton Cummings Theatre


✨March 14th - Music ‘N’ Mavens presents Groovin’ Through the 60s and 70s at the Rady Jewish Community Centre


✨ March 14th – 16th - Steph Tolev at Rumor's Restaurant and Comedy Club


✨ March 15th - The Paper Kites and The Roadhouse Band at Burton Cummings Theatre


✨ March 15th – 16th - Yuk Yuk’s Pro AM night featuring Damonde Tschritter at The Club Room


✨ March 15th – 16th - WSO presents Harry Potter and the Half-Blood Prince™ at Centennial Concert Hall


✨March 15th – 17th - 2024 Cottage Country’s Lake & Cabin Show at Red River Exhibition Park


✨ March 16th - 2024 Gala Juste pour Rire des Rendez-vous de la francophonie at Centre culturel franco-manitobain - Salle Pauline Boutal


✨ March 17th - Winnipeg Philharmonic Choir presents The Music of Sir Paul McCartney at Cathédrale de Saint-Boniface


✨ March 18th - 2024 Champions of Magic – 5 World class Illusionists at Centennial Concert Hall


✨ March 18th - Skid Row and Buckcherry at Burton Cummings Theatre


✨ March 19th - 2024 Diaspora - A Film by Deco Dawson Doors - at West End Cultural Centre


✨ March 19th to 23rd - Tony Woods at Rumor's Restaurant and Comedy Club


✨ March 20th - Manitoba Chamber Orchestra presents Lara Secord-Haid at Crescent Arts Centre


✨ March 20th – 24th - a+dff Architecture + Design Film Festival Winnipeg at Cinematheque


✨ March 20th to April 13th - 2024 Royal Manitoba Theatre Centre presents The Lehman Trilogy at John Hirsch Mainstage


✨ March 21st - Music ‘N’ Mavens presents a Tribute to Tony Bennett at Rady Jewish Community Centre


✨ March 21st - Movie Nights at Dakota Community Centre


✨ March 22nd- 2024 Trans Canada Highway Men at Club Regent Event Centre


✨ March 22nd – 23rd - Katie-Ellen Humphries at Yuk Yuks Comedy Club


✨ March 22nd – 24th - 48th Annual Piston Ring World of Wheels at the RBC Convention Centre


✨ March 22nd – 24th - The Little Opera Company presents The Walk From The Garden Evening by Jonathan Dove Shows at St. John's Anglican Cathedral


✨ March 22nd – 23rd - 2nd annual Pitâw MÄ«no Muskîki Indigenous Handmade Spring Market at the Via Rail Union Station


✨ March 23rd - C4 - Central Canada Comics/Collectibles Show (Comic Book, Toy and Collectibles Show) at the Caboto Centre


✨ March 23rd – 24th – Winnipeg Jazz Orchestra presents Reeling In The Years: A Tribute to Steely Dan. At Centre Culturel Franco-Manitobain.


✨ March 23rd – 24th - Winnipeg Women's Show at RBC Convention Centre


✨ March 23rd - WSO presents Stravinsky's Firebird at Centennial Concert Hall


✨ March 23rd-29th - Festival of Fools! Free family event held at The Forks during the school spring break


✨ March 25th - Warren Zeiders - Pretty Little Poison Tour with special guest Austin Williams at Burton Cummings Theatre


✨ March 26th – 30th - Kathleen McGee & Sean Lecomber at Rumor's Restaurant and Comedy Club


✨ March 26th - Music ‘N’ Mavens presents Lady Muse & The Inspirations at Rady Jewish Community Centre


✨ March 27th - 2024 Manitoba Chamber Orchestra presents Maria Brea at Crescent Arts Centre


✨ March 28th - 2024 Moonlit Melodies (acoustic concert) at FortWhyte Alive


✨ March 28th - Music ‘N’ Mavens presents A Trip to New Orleans by Dirty Catfish Brass Band at Rady Jewish Community Centre


✨ March 29th – 30th - Johnny Pogo at Yuk Yuk's Comedy Club


✨ March 29th & 30th - 2024 Cannes Lions International Festival of Creativity at WAG-Qaumajuq
Ongoing


✨ Until March 21st - Lights On The Exchange


✨ Until March 22nd - Edge of Darkness – Planetarium Show


✨ Until March 23rd - Flora of the Philippines at The Leaf


✨ Until March 24th - Learn About Polar Bears with CPAWS at Gateway to the Arctic, Winnipeg Zoo.


✨ Until March 24th - Guided Snowshoe Walks at Oak Hammock Marsh every Sunday


✨ Until March 29th – After Hours at Fort Whyte


✨ Until March 30th - The Snow Maze


✨ Until March 31st - In My Backyard – Planetarium Show


✨ Until April 30th - WAG@The Park presents a rotating series of exhibitions curated by WAG-Qaumajuq at The Pavilion at Assiniboine Park Conservancy


✨ Until May 23rd - Downtown Farmers' Market at Cityplace


✨ Until Augus 31st Beyond the Beat: Music of Resistance and Change at Canadian Museum for Human Rights


Want an event included in our next newsletter (for April)? Email us the details at Hello@JenniferQueen.com.  We hope to see you at some of these events!

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Home Ownership is Down in Manitoba (2024).  But why?

Statistics are showing the Canadian Homeownership is down over the past decade.  Today, let's discuss how you can still make homeownership a reality.


According to Statistics Canada, Canada's homeownership rate decreased from 69 percent in 2011 to 66.5 (-2.5%) percent in 2021. Despite this overall decline, several provinces boast higher homeownership rates, influenced by factors such as personal preferences, age, market conditions, and housing options. Zoocasa did a more in-depth analysis on the topic, and has shed light on how homeownership rates have evolved across the country and among different generations of Canadians.


home ownership in winnipeg


Zoocasa's findings reveal that provinces with more affordable housing tend to have higher homeownership rates – and there is almost a direct correlation. In 2021, New Brunswick, with the lowest average home price of $239,900, secured the second-highest homeownership rate in Canada at 73 percent. Similarly, Newfoundland and Labrador, home to the largest group of homeowners, experienced a modest 9.3 percent increase in average home prices since 2011, maintaining a homeownership rate of 75.7 percent in 2021.


Saskatchewan and Alberta were the only other provinces with homeownership rates above 70 percent in 2021, though both experienced slight declines compared to 2011. Despite high demand in Alberta, a shortage of inventory as well as increasing home prices of late has led many residents to opt for home rentals.


Major Canadian markets, particularly in Ontario, witnessed a significant jump in average home prices from 2011 to 2021, with a staggering 135.4 percent increase. This surge, coupled with a lack of proportional income growth, contributed to a 3.1 percent decline in homeownership over the decade. Quebec, despite relatively low home prices, also had a below-average homeownership rate of just under 60 percent, with a marginal decrease of 1.3 percent from 2011 to 2021.


Nova Scotia and British Columbia had the second-lowest homeownership rates, experiencing substantial drops of 4 percent and 3.2 percent, respectively, since 2011. The sharp increase in home prices in British Columbia, from $506,100 in 2011 to $910,800 in 2021 (an 80 percent rise), further challenges prospective buyers.


I’m saving the best for last, but I’m biased (of course)! Manitoba did see a pretty substantial drop of 2.7%, although we were quite close to the national average. 


In 2011, the average house price here was around $234,290 in Winnipeg and up to $336,635 by 2021. However, we still sat at half of the national housing average in Canada.


The conversations I’m having are revealing a few things and they are backed-up by the statistics:

  • Among demographic groups, millennials face the toughest challenges in homeownership, with the lowest rate among all age groups. The homeownership rate for those under 40 falls below the national average of 66.5 percent.
  • Notably, younger millennials in the 25-29 age group experienced a significant drop from 44.1 percent to 36.5 percent, reflecting the challenges they encounter in entering the housing market.


It doesn't all have to be bad news!

I continue to hear stories while I’m out and about, in which many are worried that homeownership might not be in the cards for them.  And to them, I say: It’s time to get scrappy.  Here are a few ways I’ve had clients do it:

  • Sacrifice your freedom (for a short period of time, that is).  Be willing to live in your parents’ basement.  Be willing to manage an apartment complex in order to live rent free.  Whatever you can do to offset your current expenses so that you can SAVE that downpayment
  • Take advantage of the programs available to you.  I’ve recorded videos on the First Time Home Savings Account as well as the FSB – I’ll link those videos below.  But use whatever tax incentives there are available to you.  When you get your refund, set that money aside and DO NOT TOUCH IT!
  • Be willing to do what it takes.  Side hustles, door dashing, selling off existing stuff.  I’ve even heard of some with garage sale hustles, whereby they resell at a profit on eBay
  • Be open to your surroundings. Be willing to rent out a portion of the property, to offset the costs.
  • Sacrifice some fun… maybe Taylor Swift tickets aren’t in the budget, or that trip to Mexico.  Dinners out too are a major expense among the millennial population.  Think, rice and beans will give you the means!
  • Think lowering your expectations. Maybe a large home with an equally oversized home is going to be the next step, but not this step.  What is important now, is getting into a home so that you can start building that equity.  Then use that as a platform to launch to the next home.
  • Expand upon your areas.  Maybe you dream of being in River Heights.  But your budget doesn’t afford River Heights.  Are there adjacent communities that could work for now?
  • Be ready to build some sweat equity.  If the bones of a home are good, any cosmetic projects you do will add value and increase your equity.  Force that appreciation!
  • Get aggressive with your debt paydown.  Don’t buy the fancy car with high monthly payments.  Buy a car you can afford, in cash, that is still reliable but perhaps older and not so fancy. Any debt obligations you add to your credit bureau, will negatively impact your approval rate.


I truthfully believe where there is a will, there is a way.  I’ve seen many scrappy millennials get there, and they look back fondly at just how scrappy they were.


winnipeg real estate market realtor#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com

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Discover the Charm of Windsor Park

Windsor Park, nestled in the heart of Winnipeg, Manitoba, is a neighborhood that truly stands out as a fantastic place to call home. With its blend of accessibility, community spirit, and a plethora of amenities, it's no wonder residents are proud to live here. If you're considering a move or simply exploring what Winnipeg has to offer, let's dive into the reasons why Windsor Park is a neighborhood worth your attention.

A Tight-Knit Community Vibe

One of Windsor Park's most appealing features is its strong sense of community. This area fosters a welcoming atmosphere where neighbors know each other by name and look out for one another. Community events, from local fairs to seasonal festivals, are a staple, creating opportunities for residents to connect and build lasting friendships.

windsor park real estateGreen Spaces Galore

Nature lovers will find Windsor Park to be a breath of fresh air. The neighborhood boasts numerous parks and green spaces, providing residents with serene spots for walks, picnics, or simply soaking up the sun. The well-maintained public spaces encourage outdoor activities, making it easy for everyone to stay active and connected with outdoors.

Accessibility and Convenience

Windsor Park scores high marks for its accessibility. Located just a short drive from downtown Winnipeg, it offers the perfect balance of suburban life with easy access to urban conveniences. There are plenty public transportation options, ensuring that commuting to and from work or exploring other parts of the city is a breeze.

houses in windsor parkDiverse Housing Options

Whether you're a first-time homebuyer, looking for a family home, or seeking a cozy apartment, Windsor Park has something to offer. The neighborhood boasts a diverse range of housing options to suit different tastes and budgets.

Excellent Schools and Educational Opportunities

Families in Windsor Park have access to a variety of educational institutions, from preschools to high schools, ensuring that children receive quality education close to home. The commitment to education within the community is evident, with schools known for their dedicated teachers and inclusive environments.

A Thriving Local Economy

The local economy in Windsor Park is vibrant, with a mix of shops, restaurants, and businesses catering to every need and preference. Whether you're in search of the perfect coffee shop, need to pick up groceries, or want to explore local boutiques, everything you need is right within your reach.

Safety and Peace of Mind

Safety is a top priority for any neighborhood, and Windsor Park is known for being a safe and secure place to live. The low crime rates and active community policing contribute to a sense of security, allowing residents to enjoy peace of mind.

All overall Windsor Park, with its blend of community spirit, natural beauty, and convenient living, is more than just a neighborhood—it's a place where life's moments are cherished and celebrated. Whether you're drawn to its green spaces, the friendly faces, or the exceptional quality of life it offers, Windsor Park in Winnipeg, MB, is a neighborhood that truly feels like home. If you're looking for a place where you can plant roots and grow, Windsor Park deserves a spot at the top of your list.


Windsor Park Realtor, Amy McDermid#AgentAmy


Amy McDermid

Phone: (204) 470-5356
Email: Amy@JenniferQueen.com

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Summer Camps in Winnipeg (2024) - The most up-to-date list!

It’s that time of year, if you can believe it.  Yes, it is February… Even so, lists have opened up and programs are filling up.  It is literally THAT fast!


Every year, we have a number of clients migrating to Winnipeg that are looking for fun activities to register their children in.  Also, as Winnipeg Parents, Logan and I are shocked every single year when others mention new camps that we have yet to hear of. So, as a way of keeping track of the various offerings, I’ve decided to compile an annual list so that I know the options and when to register for them.


I have endeavoured to make this list as exhaustive as possible, but I am human and can miss some options.  If there is a camp that you would recommend, please send it my way.  I want to have a complete list of options all in one spot, so that we all have an easy spot to check year after year.


This is my third year doing this list, and I’ve already discovered several that were missed last year thanks to your comments and feedback.  So, let’s keep this list up-to-date and growing.


Without further adieu, let’s get to it!  This list is mostly compiled in order of type of camp, and then age group (with youngest groups at the beginning).


Thanks again to all that provided input or helped me with updates for the Winnipeg Summer Camp list of 2024.


If you want to be updated when our list comes out, be sure to sign-up for our newsletter HERE. I promise - we DO NOT spam our clients. We send out one monthly newsletter with what is up in Winnipeg in the upcoming month, usually there is a giveaway for a local business, and some intersting local information.  If you do not wish to receive our newsletter, please plan to check back on our blog next February.


Summer Camps for Children in Winnipeg – Day Camps

Pedalheads (Various Locations, Mostly South Winnipeg)

Ages 2 to 12. A bike camp aimed at teaching children to ride their bikes confidently on their own. For those still riding with training wheels, the goal is to get them off training wheels by the end of the week.  Registration opens February 27, 2024.  Website: https://pedalheads.com/manitoba


Gymboree Summer Camps (Linden Ridge)

Ages 3 to 5 years old. Registration now open with more details promised on the Website soon.  Website here: https://www.gymboreeclasses.com/en/locations/MB/South-Winnipeg/#


GymKyds (Southdale)

Ages 3 and up but children must be potty trained and able to use the bathroom independently. A gymnastics-centered program with a variety of weekly themes including sports themes, farm themes and science themes (among others). Full day and half day programs available.  Registration now open. Website: https://gymkyds.ca/summer-camps/


Rady JCC Summer Camps (Tuxedo)

Ages 3 to Teens. They offer over 40 different specialty camps with great variety including Amazing Race themes, animation camps, swimming programs and many other specialized programs.  Early-Bird Registration for Members usually begins in March.  Dates aren’t yet posted, but check back on their Website here for updates: https://www.radyjcc.com/children-youth/summer-day-camps/


My Gym (St Vital)

Ages 3 to 12 years. The camps focus on fitness games, gymnastics (noncompetitive), arts and crafts.  Weekly themes and they advertise that no two camp days at My Gym are ever the same. Full days and half days are available.  Registration is now open.  Website:  https://www.mygym.com/stvital/camp#


Royal Dance Conservatory Day Camps (West Kildonan)

Ages 3-11 years. Offering lessons in dancing with various themes.  At time of production, the complete offerings were not yet available.  Registration open soon. Nothing is yet mentioned on their Website, but they typically do have offerings every year.  Website: https://www.royaldanceconservatory.com/  


Corydon Community Centre (River Heights)

Ages 3-12 years.  Offering a variety of specialty camps, sport camps, tot camps, and more.  They also have summer hockey camp options. Registration is already open.  Website: https://corydoncc.com/programs/youth-programs/summer-camps/


Engineering for Kids Summer Camps (Whyte Ridge)

Ages 4-14.  Operating out of Whyte Ridge Community Centre, this program aims to teach science, technology, engineering and math with a hands-on approach.  A variety of themes available including Lego robotics, medieval defence and pirate academy! Registration is now open.  Website: https://www.engineeringforkids.com/programs/summer-camps/


Fort Whyte Alive (Oak Bluff)

Ages 4 – Grade 8. Heavy focus on nature including swimming programs for those in grades 1 and older. Registration for members of Fort Whyte begins February 21st.  Public registration begins February 23rd.  Website: https://www.fortwhyte.org/families/day-camp/summer-camp/


YMCA Camps (Various Locations in Winnipeg)

Ages 4-12. Offers a variety of programming including swimming, music, dance, outside play, arts and crafts and more.  Registration opens soon. Website: http://www.ywinnipeg.ca/programs/camps/day-camps/


Groove Academy Summer Mini Camps (Various Locations) 

Ages 4+. Kids learn and produce a create performance through the week that they display for friends and family.  There are daily arts and crafts.  Registration is now open. Website: https://grooveacademy.ca/summer-camps-music-lessons-winnipeg/


Whitetail Sports Camps (Sturgeon Heights Community Centre and Lorette)

Ages 4-18. Advertises a coaching program to teach the fundamentals of physical activity and education including Yoga, Dance, T-Ball, Kickball and Soccer.  Registration opens soon.  Website: https://www.whitetailsports.com/


Southdale Community Centre Summer Day Camps (Southdale)

For ages 5-11. A unique offering in that you can register by the day and pricing is quite reasonable.  They advertise a well-rounded camp experience with daily activities that include science, crafts and games.  Camp dates have not yet been advertised for 2024, so keep checking back.  Website: https://southdale.ca/programs/summer-day-camps/

 

University of Manitoba – Mini U (Fort Richmond)

Ages 5-16.  A variety of programs including sports programming such as soccer, basketball, cheerleading, dodgeball, track and field, hockey, gymnastics.  They also have other programs such as learning about animals, crafting, dinosaur discovery, science alliance. Junior Bison Sports Camps available for children up to age 18 – more detail on that below.  Registration usually opens in the first week of March.  Website: https://umanitoba.ca/mini-u


School of Rock (River Heights)

Ages 5-12 mostly (some older programs too). This camp offers music camps for those musicians with varying skill levels who want to learn (or already play) guitar, bass, keyboard, drums and vocals. They offer half-day options as well.  Registration already open. https://www.schoolofrock.com/music-camps


Discovery Day Camp (East Kildonan)

Kindergarten to Grade 6 (typical age ranges on programs 5-12). Part of Centerpoint Church. They have different themed weeks with programming that involves excursions on a 72-passenger bus including trips to go swimming!  Registration opens March 15th.  Website: https://www.ddconline.ca/summercamp/  


Aquatica Synchro Club (Various Locations)

Ages 5 to 19+.  Offers 3 different summer camps. Activities include: artistic swimming skills, games and crafts to explore our theme, creating and performing an artistic swimming routine, flexibility and strength training. For all skill levels starting with 5-year-olds who are new to the shallow end.  Registration is not yet open, but keep checking back on the Website. Website: https://aquaticasynchro.com/register-for-summer-camp/  


Miracle Ranch Summer Camp (Springfield)

Ages 5 and up.  Offers beginner and experienced camps for those wanting to learn about horseback riding, horsemanship as well as horse care.  There are a variety of teaching components including in-class, on the ground training, as well as some opportunities to make crafts and explore the 40 acres of the ranch.  Registration is not yet open.  Keep checking back on the Website.   Website: https://www.miracleranch.ca/summercamp


Mad Science (Various Locations)

Ages 5 – 11. Offering different weekly themes with a focus on science discovery, outdoor games and physical activity.  Registration is now open. Website:   https://manitoba.madscience.org/parents-camps


Code Ninjas (Bridgwater)

Ages 5-14 to learn about coding, game-building and robotics.  Their programming is designed for learning through the process of iteration, reflection and feedback. Registration is open now. Website: https://www.codeninjas.com/winnipeg-mb-ca/ 


Camp Manitou (Headingley)

For those entering Grades 1-8 in the Fall.  Offers educational programming, swimming, canoeing, skill-building while connecting with nature.  Registration is now open.  Website: https://campmanitou.mb.ca/summer-camp/dates-and-rates/


Assiniboine Zoo, Zoo Camp (Tuxedo)

Ages 6 -12. Great opportunities for children to meet the animals and animal care professionals and also explore the Assiniboine Park and The Leaf.  Registration usually opens at the end of February.  Nothing has been posted on the Website at time of posting this list for registration dates. Website: https://www.assiniboinepark.ca/programs-and-tours/camp


Dakota Community Centre Summer Camps (River Park South)

Ages 6-13.  Offering a variety of options including art classes to multi-sports to specialized hockey camps and clinics. Enrollment is now open.  Website: https://www.dakotacc.com/174/kids-camps


Kid Camps at Winnipeg Humane Society (West Fort Garry)

Ages 6-13. These camps give children an opportunity to learn about animals and responsible pet ownership. There are crafts, games, and lots of fun.  Various weeks offered through summer 2023.  Registration is now open.  Website: https://winnipeghumanesociety.ca/your-family-pet/kidcamps/


Winnipeg Art Gallery (WAG) Art Camp for Kids (Downtown)

Ages 6-12. Camps with a focus on art-making, field trips, games and it ends with a camper-curated exhibition! Registration for summer camps is not yet open.  Check back to Website for updates.  Website:  https://www.wag.ca/learn/family-youth/


The Beach Volleyball Centre Summer Camp (East St Paul)

Ages 7-12.  A variety of activities including archery tag, giant connect four, Giant Jenga, among other sports.  Registration will likely open soon.  Website: https://www.thebvc.ca/summer-kids-camp


Deer Meadow Farms (Springfield)

Ages 8-12 (turning 8 this year).  Offering an amazing farm experience that includes feeding animals, collecting eggs, milking animals, crafts, berry picking, horseback riding and more.  Registration is now open.  Website: http://www.deermeadowfarms.com/junior-farmer-day-camp.html

 

Sagehill Stables (South Waverley)

Ages 8-16.  A camp for children wanting to learn about horses and riding. Programming includes horseback riding lessons, making crafts, and outdoor activities. Registration now open.  Website: https://www.sagehillstables.com/day-camps.html


Red River College (Various Locations)

Ages 9-16 depending on the program. Current course offerings include Girls exploring trades and technology and Camp Canon focusing on photography techniques.  Some in-class but also online course offerings.  Registration for some programs open now.  Other course registrations to open May 8th.  Website: https://www.rrc.ca/youth/camps/



Assiniboine Zoo, Leaf Summer Camp (Tuxedo)

Ages 9 -12. This camp focuses on plants and they will learn all about different world cultures through plants, food and art. Registration opens February 28th. Website: https://www.assiniboinepark.ca/programs-and-tours/camp


WISE Kid-Netic Energy STEM Day Camps (Fort Richmond)

Ages 9 to Grade 12. STEM stands for Science, Technology, Engineering and Math – which is what the programming is based upon.  At time of production of this list, we had not heard back on their list of offerings for Summer of 2024.  Website still showed programming for 2023 which sounds amazing!  Website:  https://www.wisekidneticenergy.ca/stem-camps  


Winnipeg Conservatory of Music (Wolseley)

Ages 9 and up.  Offering three summer camps in July including Fiddle Sessions for all skill levels, musical theatre camp and even Vocal Jazz Camp for Adults. Registration is now open.  Website: https://wcmus.com/summerdaycamps/


Manitoba Paddling Association Summer Camp (Operating mostly out of Manitoba Canoe & Kayak Centre in Riverview)

Ages 9-14.  Learn the basics of canoeing and kayaking as well as Dragon Boating!  They also have programming that includes arts, crafts, games and special outings. Registration now open. Website: https://www.mpa.mb.ca/content.php?navigation_id=4609


Summer StudioWorks by Winnipeg Studio Theatre (Downtown)

Ages 10 and up. Teaches the triple threat technique of acting, dancing and signing.  At time of publication, registration for 2023 was not yet open.  Check back to the Website for updates.  Website: https://winnipegstudiotheatre.com/summer-studioworks-2023/


University of Manitoba – Junior Bisons (Fort Richmond)

Ages 12-18.  These are high performance camps with offerings for a variety of sports including soccer, basketball and volleyball. Registration usually opens in the first week of March. Website: https://gobisons.ca/sports/2023/1/10/summerhpcamp2023.aspx




Additional summer camp programs are often offered through the City of Winnipeg’s Leisure Guide for great prices.  But be forewarned, that registration is competitive and often sold out within minutes.  For more information, visit:  https://legacy.winnipeg.ca/cms/recreation/leisure/accessible/leisureguide_camps.stm




Specialized (Sports) Camps:

Edge Hockey Skating Camps Powered by the Rink (Gateway Recreation Centre in East Kildonan).

Ages 5 (born 2018+) to 14 (born up to 2011) with programming for U7, U9, U11, U13, and U15. Full and half day programming offered with a variety of on-ice sessions, boardroom/SIM skate sessions, skills sessions, dryland sessions and multi-sport activities. For U7, there is no full-day program yet, rather one-hour, every morning. Registration now open.  Website: https://therink.ca/winnipeg-edge-hockey-camps/


Jets Hockey Development Camps (Various Locations)

Ages 5+.  A variety of camps for those looking to develop as a hockey player.  Registration was not yet posted for summer, but is usually posted in March.  Website: https://www.hockeyforallcentre.com/jets-hockey-development/


Excessive Speed Hockey (Various Locations but mainly Gateway Community Centre and East End Arena)

Ages 6 and up (must be born 2018 and older).  Aims to develop the love of all things hockey.  They also have specialized Goalie training.  Registration is now open.  Website: https://www.excessivespeedhockey.ca/summercamps


Zajac Hockey (Seven Oaks Arena – Garden City and Gateway Recreation Centre – East Kildonan)

Ages 8-14 and players will be grouped according to age and skill. More of a clinic-style organization with focuses on various skills.  No first-time skaters – all players must have a minimum of 2 years of playing experience. Focuses on skills such as shooting, stick handling, passing and skating techniques. Advertises training the likes of Jonathan Toews! Registration is now open. Website: https://www.zajachockey.com/winnipeg


Sami Jo Small Hockey Camp (Gateway Recreation Centre, East Kildonan). 

Girls aged 7-17.  One week is being offered in Winnipeg this year from July 15-19.  For players beginner through to elite. Registration now open.  Website: https://www.samijosmall.ca/winnipeg


Sport Manitoba (West End)

Ages 8 – 11.  Offers a variety of activities with a goal of developing movement fundamentals, confidence, teamwork, and multi-sport skills.  Some sport showcases include flag football, badminton, basketball, badminton, fencing, soccer, table tennis, cricket and more.  Registration now open.  Website: https://www.sportmanitoba.ca/2023-summer-camp/


Canlan Sports Summer Camps (St James)

Ages 3 to 14. Offering heavy hockey programming but also multisport camps that introduce sports such as soccer, basketball, kickball, tennis, ball hockey, ultimate frisbee, broom ball and more. Registration for those ages 3-5 mostly involves some parental involvement such as the learn-to-skate programming. At time of posting this, just hockey camps were being advertised as available.  Website: https://www.canlansports.com/activities/?ageRange=24


Royal Soccer (Various Locations)

Ages 5-13.  Offers half day and full day programming with a focus on developing children’s love for soccer.  There are swimming options available as well but it will depend on location and age group.  Registration now open.  Website: https://royalsoccer.com/our-camps/summer-day-camps/rates-dates/


Prairie Badminton Summer Camp (St Boniface)

Ages 8-17. Offers full day programming with a goal of developing a greater understanding of Badminton.  Registration is not yet open. Website: https://www.prairiebadminton.ca/registration?filter=Camps


Nike Basketball Camp by Four Point Basketball (Tuxedo)

Ages 10-16.  A physically challenging program offered just one week in July.  Players will focus on developing footwork, ball-handling, finishing in the paint and passing. Registration is now open. Website: https://www.sportscampscanada.com/camps/nike-basketball-camp-winnipeg-mb  


Girls Play Football – Blue Bombers Camp (Fort Richmond)

Ages 9-13.  Teaching girls to try football through drills and skill-specific training challenges. The camp is free and there is a lottery to get in.  Also, it is just one day per week (Sundays).  Registration is now open.  Website: https://www.bluebombers.com/girlsplayfootball/  





Overnight or Sleep-Away Camps:

For those with older children, looking to send them for overnight experiences, here are additional options:


Camp Massad (Sandy Hook, Manitoba)

Ages 4 to 18 with those 4-7 being Day Camps.  Focuses on cultural aspects of Judaism. You do not need to be Jewish nor do you need to speak Hebrew to attend. Activities range from court sports, to arts/crafts, drama, swimming, archery, and more! Registration is open now. Website: https://www.campmassad.ca/


Red Rock Bible Camp (Whiteshell, Manitoba)

Ages 4 to 18+. Younger camps are shortened weeks. Christian-based camp with a goal of deepening your child’s relationship with God. Located on water and as a result has ample options for swimming, water sports, and more. Registration is open now. Website: https://redrockbiblecamp.com/summercamp/


Camp Arnes (Arnes, MB)

Ages 8+ including some family camps.  This is an inter-denominational Christian camp and they do offer some day camps as well, however, you must provide your own transportation there for the day camps.  They have skills programs that involve mountain biking, gardening, baking, woodworking, ropes courses, swimming, kayaking, among others. Registration is open now.  Website: https://www.camparnes.com/summer


B'Nai Brith AKA BB Camp (Kenora, ON)

Ages 6-17. Day camps are also available. Located on beautiful Lake of the Woods, this camp is an inclusive sleep away Jewish Summer Camp.  Activities include various sports, water activities, climbing, dance, zip lines, archery among many others!  Registration is now open. Website: https://www.bbcamp.ca/sleepaway-camp


Pioneer Camp (Shoal Lake, MB)

Ages 6-21. Operated by Inter-Varsity Christian Fellowship of Canada. The program takes place in Shoal Lake and includes a variety of activities including: canoeing, fishing, sailing, swimming, fort building, archery, arts and crafts, bible studies, campfires and hiking. Registration now open. Website: https://www.pioneercampmanitoba.ca/summer-camp/


Circle Square Ranch (Spruce Woods, MB)

Ages 6-17.  Also Operated by Inter-Varsity Christian Fellowship of Canada. Christian-based faith offering a variety of activities with opportunities for horse specialty camps. Registration now open.  Website: https://www.csranchsprucewoods.ca/summer-camp/


Winkler Bible Camp (Winkler, MB)

Ages 5 (Kindergarten) through to Adult. Kinder Kids (those in Grade k-1 are day programs, with those in grades 1-3 two-day overnight camps).  Transportation may not be available. They offer escape rooms, zip lines, archery, rock climbing, slingshot, swimming, petting zoos, and more. Registration opens March 5th.  Website: https://www.winklerbiblecamp.com/experience/summer/childrens-camps


Camp Stephens (Kenora, ON)

Ages 8+.  Also offered through YMCA-YWCA.  One-week to four-week camp options available.  Set on a lake with great outdoor activities.  Registration is open. Website: https://www.ywinnipeg.ca/camp-stephens/camp-registration?gad_source=1&gclid=CjwKCAiAlcyuBhBnEiwAOGZ2S3q3RwSG71milfM8nzMOsKMgETQ-_VzOkrFzOebGhIoJVFz8pdtFKhoC-tIQAvD_BwE



Did I capture them all?  Please be sure to email us: Jennifer@JenniferQueen, if you feel there is something that could be added to this list!  If you want to be updated when our list comes out, be sure to sign-up for our newsletter HERE


top realtor in winnipeg manitoba#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com

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Understanding Bidding Wars and how to Prepare!

Today, I want to shed some light on the often intimidating process of participating in a multiple offer situation as a homebuyer, also known as the “bidding war” These scenarios have become increasingly common, especially in markets with high demand and limited housing inventory. I will say, at the time I am writing this blog, here in Winnipeg, we are starting to see multiple offer situations a bit more frequently again. It seems as though since the bank of Canada has held interest rates steady for the past few announcements more buyers are feeling more confident to purchase and in general there is still a lack of inventory. In this blog post, I'll provide insights into what you can expect as a buyer when facing multiple offers and offer tips on how to best prepare for such situations.

Understanding Multiple Offer Situations:

The term "offer date" refers to the specific date set by sellers for reviewing offers. This means the sellers will NOT review any offers until this date. This practice is often employed to a) make sure everyone interested in the home has a chance to get in to view it. And b) try to generate a multiple offer situation for the seller. As a buyer, it's crucial to understand the dynamics of a multiple offer situation to navigate the process effectively.

Multiple offer situations in Manitoba:

The specifics of the offer date can vary from province to province, influenced by local rules and regulations. In Manitoba, when setting an offer date sellers sign an agreement instructing their realtor not to present any offers until that date (even if said offer is expiring before offer presentation date), this eliminates the “bully offer” that is allowed in other provinces.

Tips for Buyers in a Multiple Offer Scenario:

1. Early Viewing:

To avoid making rushed decisions, I recommend viewing the home as soon as possible. Your realtor can assess comparable sales in similar multiple offer scenarios to provide data driven guidance on potential offer prices. This also gives you and your realtor ample time to prepare for offer presentation date.

2. Submitting the Offer:

Your realtor will submit your offer on the designated offer date. Before presenting offers to the seller, the selling agent informs all submitting realtors of the total number of offers received, without disclosing any offer details. (All you will ever find out about any other offers is how many others there were or “total offer count”)

3. Be available around offer presentation time:

Your realtor will inform you if you are in competition with other buyers and can give you the , opportunity to make changes to your offer. Stay available for communication via phone or text around the time offers are being presented so your realtor can help ensure your changes (if any) will be submitted.

4. Negotiation Strategy:

In a competitive situation, buyers often lose negotiation power. It's crucial to present an offer you're comfortable with, whether you win or lose. Putting your best foot forward is essential.


5. Realtor Guidance:

Your realtor plays a vital role in advising you through the process. They can help you make informed decisions, discussing aspects such as market value and comparable sold properties helping you feel confident in your offer. This will help to ensure you do not “over pay” for a home just because you are in a competitive situation but also ensure you are writing a competitive offer.


Navigating a multiple offer situation can be stressful, but with the right guidance, you can approach it confidently.


Remember, each scenario is unique, and your realtor is there to assist you in making well-informed decisions. If you have any questions or need assistance with the purchasing process, bidding wars, or multiple offer situations, feel free to reach out!



best realtor in winnipeg, samantha scribilo#AgentSam


Samantha Scribilo

Tel: (204) 960-8851
Email: Sam@JenniferQueen.com

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What to do in Winnipeg in February

Among other fun Winnipeg contests, we send out a monthly newsletter that contains a "What to Do in Winnipeg" for the month.  Want to be sure you receive that list?  Signup for our Newsletter here:


We promise to not spam you - this newsletter list is purely to keep you in the loop about what is going on or relevant to Winnipeg!


Without further adieu, here is the goings-on for February, 2024:


✨ Amaze in Corn, Snow maze.  Open Now.  In St Adolphe, Manitoba.


✨ Nestaweya River Trail.  Parts are now open.  Check here: https://www.theforks.com/events/skating-trail-and-park-conditions


✨ RAW:almond  January 25th to February 18th. Tickets still available!


✨ Free entry to Manitoba Provincial Parks from February 1st to 29th.


✨ Mid Canada RV and Boat Sale.  February 1st to 4th at the RBC Convention Centre.


✨ Musings: A Product of Contemplation.  a solo art exhibition by Shelley Remple.  February 1st to 13th at cre8ery gallery.


✨ Noir et Fier.  Black History Month 2024 at Cercle Molière Theater.  February 1st to 29th. Free admission.


✨ Alive in the Woods.  February 3rd, 10th, 17th, and 24th at Fort Whyte Alive.


✨ Banff Centre Mountain Film Festival World Tour February 3rd at Centennial Concert Hall.


✨ Prairie Strides Annual Super Flea Market.  February 3rd - 4th at Assiniboia Downs.


✨ Brett Kissel - The Compass Tour.  February 3rd at Club Regent Event Centre.


✨ Ram Motorsports Spectacular (The Monster Truck Challenge). February 3rd – 4th at Canada Life Centre.


✨ Feist Multitudes, Finale Tour 2024.  February 6th at Burton Cummings Theatre.


✨ Manitoba Tattoo Expo.  February 9th – 11th At Assiniboia Downs.


✨ Chelsea Handler Little Big B!#@& Tour (stand-up comedy). February 9th at Burton Cummings Theatre.


✨ Canadian International Comedy Film Festival.  February 10th at the Park Theatre.


✨ Sustainability Tour at The Leaf. February 10th


✨ WSO presents Classical Romance: Beethoven & Mozart. February 10th at Centennial Concert Hall.


✨ Living Prairie Museum Snowshoe Sundays (FREE one-hour rentals) No reservations required.  February 11th and 25th. https://legacy.winnipeg.ca/publicworks/parksopenspace/livingprairie/ for updates.


✨ Royal Winnipeg Ballet: Romeo & Juliet.  February 13th – 18th at Centennial Concert Hall.


✨ Valentine’s Dinner and Dance.  February 14th at Assiniboia Downs.


✨ The Mountain Top, John Hirsch Mainstage.  February 14th to March 9th at Royal Manitoba Theatre Centre.


✨ City and Colour with special guests Nathaniel Rateliff & The Night Sweats and Ruby Waters.  February 15th at Canada Life Centre.


✨ Pantera.  February 16th at the Canada Life Centre


✨ Ron James.  February 16th at Club Regent Event Centre.


✨ The Problem with Pink.  February 16th – 24th at the Manitoba Theatre for Young People.


✨ Ne-Yo Live.  February 17th at the RBC Convention Centre.


✨ Summer Song. A solo exhibition by Shogo Okada (QB). Until February 16th at Martha Street Studio.


✨ Festival du Voyageur.  February 16th – 25th at Whittier Park.


✨ Le Rire Zone.  February 19th at the Franco-Manitoban Cultural Center.


✨ Winnipeg Wellness Expo.  February 17th – 18th at the RBC Convention Centre.


✨ Manitoba Moose vs Milwaukee Admirals. Two games: February 17th and 19th at the Canada Life Centre.


✨ Manitoba Moose vs Calgary Wranglers. Two games: February 23rd and 24th at the Canada Life Centre.


✨ The Winnipeg Real to Reel Film Festival.  February 20th – 25th at North Kildonan MB Church.


✨ High Valley - Small Town Somethin' Tour.  February 23rd at Club Regent Event Centre.


✨ It Takes Two - Tribute to Tina Turner & Rod Stewart.  February 24th at Club Regent Event Centre.


✨ WSO presents A Symphonic Journey: Tan Dun, Debussy & Still.  February 24th at Centennial Concert Hall.


✨ Wonderful Wedding Show.  February 24th – 25th.  RBC Convention Centre Winnipeg.


✨ WSO presents Cirque Symphonique.  February 25th at Centennial Concert Hall.


✨ Ice Cube in Concert.  February 28th at Canada Life Centre.


✨ Royal Manitoba Theatre Centre presents The Piano Teacher February 28th to March 16th at Tom Hendry Warehouse Theatre.


✨Winnipeg Jets Home Game Schedule

  • February 10th Jets vs Pittsburgh Penguins
  • February 14th Jets vs San Jose Sharks
  • February 20th Jets vs Minnesota Wild
  • February 25th Jets vs Arizona Coyotes
  • February 27th Jets vs St Louis Blues


✨ Fields …. (Rinks, Courts, and Lanes) of Dreams at Manitoba Sports Hall of Fame (145 Pacific Avenue).  Until April 30th.  Self-guided tours are free. Group tours are $5 per person. Features artifacts from:

  • Bowling Hall of Fame of Manitoba
  • Football Manitoba Hall of Fame
  • Manitoba Baseball Hall of Fame & Museum
  • Manitoba Basketball Hall of Fame & Museum
  • Manitoba Curling Hall of Fame & Museum
  • Manitoba Golf Hall of Fame & Museum
  • Manitoba Hockey Hall of Fame
  • Manitoba Lacrosse Hall of Fame & Museum
  • Manitoba Rugby Hall of Fame
  • Manitoba Softball Hall of Fame & Museum


✨ Candlelight concerts (multi-sensory musical experience)

  • February 2nd at 8:30pm - A Tribute to Queen and More at Winnipeg Art Gallery
  • February 10th at 6:30pm or 8:30pm - A Tribute to Adele at Crescent Arts Centre
  • February 14th at 6.30 pm or 8.30 pm Valentine's Day Special ft. "Romeo and Juliet" and More  at The Manitoba Museum - the performance will take place inside of the Planetarium space
  • February 16th at 6:30pm or 8:30pm - Romantic Jazz Special ft. Frank Sinatra, Michael Bublé and more at the Winnipeg Art Gallery
  • February 24th at 6.30 pm or 8.30 pm A Tribute to Taylor Swift at the Winnipeg Art Gallery


✨ Keeping Time: The Art and Heritage of Mennonite Clocks until February 29th at The Manitoba Museum.


✨ The Manitoba Museum presents DOME@HOME, a weekly series of FREE virtual programming inviting Manitobans to explore the universe.  On now until October.  Thursdays from 7:00 pm - 8:00 pm 


✨ St. Norbert Farmers’ Market.  Every Saturday at St Norbert Farmers’ Market.


Hope to see you at some of these events!

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The Dangers in Underpricing a Home

Today I want to speak on a topic that Realtors deal with frequently, intentionally underpricing a property.


We see it all the time, properties selling in multiple offer situations with parties bidding for the right to purchase a home. Sometimes paying tens, or even hundreds of thousands of dollars over the listing price! While the extreme bidding wars only happen in Winnipeg in certain market conditions such as extremely low inventory or interest rates, we have seen competing offer situations frequently and consistently in the past 10 years.


Just because there is competition for a home does that mean it was underpriced? No it doesn’t. As already mentioned there are many factors that affect the compete level that is focused on a given home.


However, what I want to focus on is intentionally underpricing your home. I have had many conversations with clients about this, as the idea of listing for a low price and having multiple offers to compete for a higher sales price sounds great. There are a few issues with this strategy.


Firstly it doesn’t always pay off.

There are many examples of homes listed for sale that started with a listing price, held an offer date to garner interest and try to entice a bidding war and when it didn’t happen then raised the list price, sometimes substantially higher than the original price.


Secondly you may not get what you want.

You may get offers on your posted offer date, but the amounts you get are still not what you would accept for the sale of the home. In this case the vendors usually follow the same strategy as the first and increase the listed price.


Thirdly equitable marketing.

One goal of any real estate agent when listing a home should be to accurately represent the property to the public, which includes pricing a home accordingly. Now there are many factors to take into consideration when pricing a home for sale. No two homes are exactly the same, which means there is wiggle room in the valuation of a property. Some properties have many comparable homes that have sold and those ones are typically very easy to value and usually come with a very small range for a valuation of the home. Other homes can be very difficult to value. For example homes that do not fit the general style or design of others in the neighborhood, extremely niche renovations, or homes with strange floorplans all can be difficult to value. Sure you can go on a price by square foot valuation or other such metrics, but that doesn’t necessarily equate to the correct value. On the homes with easy valuations I typically offer up a list price with around a ten thousand dollar swing in either direction. For some of the other harder to value properties, you can expect larger value ranges. This is really just to tell you that as a realtor I am constantly researching and seeing what homes are selling for, what they are not selling for and paying attention to accurate pricing for my clients. The point I am trying to make here is that Realtors have a very good idea what a house should be priced at. Pricing a home extremely low can cause many headaches for the agent as well. There are parts of our governing legislation that could be used as complaints for agents intentionally listing this way.


Really the answer is simple. Don’t intentionally underprice your property.

As I always tell my clients I am only going to market your home for a price that you would actually consider. If the market happens to dictate with multiple clients offering that the sales price ends higher than the list number then great, happy clients are the goal here.

I would say that limiting your amount of risk when selling a home is the best way to go about the process. And underpricing can increase your risk.

Theres a risk that your home may not sell, risk that you will lose buyers that are not interested in competing, and you may also risk formal complaints or even fines against the listing agent.

I think that avoiding all that risk would be beneficial to all parties when selling your home. In my opinion it is always best to accurately list your home for a fair market value. If there is excess demand for your home you may get lucky and have multiple parties interested anyways. If you want information on other strategies on how to present your home in the best possible way to make it appealing to as many people as possible.


top realtor in winnipeg, logan queen#AgentLogan


Logan Queen

Tel: (204) 226-1261
Email: Logan@JenniferQueen.com

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A Deeper Dive into Interest Rates and their Impact on the Winnipeg Real Estate Market

I’ve given predictions here already, and historical data.  But there are still many questions that come up when discussing interest rates that I would like to address.  Keeping in mind that I am a Realtor that sees the benefits of real estate on a daily basis - this blog will obviously be a bit slanted to that end.  I hope you can forgive me!


My feelings on real estate, regardless of high or low interest rates, remain unchanged. You will NEVER convince me that real estate is a bad investment, so long as you can comfortably make the payments on your mortgage. 


There are a few reasons for this.

1. People buy houses because of lifestyle changes, NOT because of interest rates.

I should preface this by saying most people. Some investors, do buy and hold properties based purely on the economics, but they are not the norm. Remember, people buy and sell houses for life changes, which can be characterized with the big D’s: Diamonds, Diapers, Diplomas/Degrees, Death, Difficulties, Divorce, Dogs, Downsizing. Sure, an interest rate change could have people delay their decision for a little while, but at the end of the day, if their current house no longer works for them, they tend to accept the pain of a higher interest rate and move forward.


2. Expectations Adjust

Statistical fact: In 1971, the interest rate for a mortgage was 7.33%.  If you had waited for this interest rate to go down before buying a home, you wouldn’t have purchased a home until 1993.  Can you imagine waiting 22 years for rates to go down? The average home price in Winnipeg, 22 years ago was $104,202.  Now, we are reporting an average selling price in late 2023 of $369,325.  A 254% increase in home values.  I assure you, that very few individuals decided to wait from 1971 until 1993 to buy. Despite the scary high rates of the time (particularly in the 80’s and 90’s), people got used to the rates and would ultimately move, based on their personal situation. Everyone's adjustment period is different, some adjust in a matter of days, others take a couple of years to regain their confidence - but once that new normal has set in, we see people taking action again regardless of interest rates.


3. History is the best Predictor

Similar to how we can look to the 80’s and 90’s as rates were rocketing upwards, we can also look at what is a perceived “acceptable interest rate” over time.  That number actually hovers around 6-8%.  We have had strong, Seller’s markets here in Winnipeg (and Canada) when those rates were hovering right in that range.


4. The law of economics

Supply and demand – the two drivers for both price and time. We continue to see positive population growth in Manitoba.  However, looking at housing starts in more recent months indicates that we are not keeping up with the supply necessary, to meet this demand. While the Federal Government aims to level out immigration targets in 2026, we are still far behind the required level of housing starts to hit current targets.


5. Timing is everything!

This headline is a bit misleading, and for that I do apologize.  It may appear that I think you can time the market. But that is not what I mean at all.  I sell real estate day in and day out.  I can tell you there are deals to be had in any market.  BUT you can NEVER time when the perfect time is to buy or sell a property.  Rather, look at time in the market vs. time on the market.  Anytime you are buying Real Estate, it should truly be viewed as a long-term investment.  If you came here to learn about flips, I apologize.  That is not my wheelhouse nor will it ever be.  Yes, I buy properties and renovate them to improve their value.  However, I keep those properties as rentals.  I plan to hold them for the long-term.


6. People will always get creative

If somebody truly desires to get a home, but it’s not an option via conventional methods – they get creative.  We are seeing more house hacks (owners living in a portion of a home and renting out another to offset their costs), we are seeing more “Tenants in Common” ownership arrangements – so perhaps not a husband and wife buying a home together but rather friends, that then both own portions of the home. I’ve even learned recently of some investment companies that are “pairing” buyers with one another to allow them to buy homes together.  I’ve also experienced people getting side hustles to make the numbers work. Let’s remember that owning a home is a huge dream and motivating factor for many.


7. Adjusting expectations

Akin to getting creative, we are also seeing people adjusting their expectations. Perhaps they are okay with a bit less house than they originally planned, and that’s okay too.  At least then you are in the market and properly hedged against market fluctuations.


8. Understanding Micro Markets

Winnipeg is a relatively small City.  But even so, there are micro markets within it.  There are areas that are more heavily impacted during market downturns or high-interest rate environments.  Then there are areas that are completely unaffected.  Knowing the market and it’s sensitivities, is key!


9. The Rental Argument

If you’ve seen much of my other work, you will know I often say “You pay a mortgage either way.  Would you rather it be yours, or your landlords?”.  But let’s also look at this from the perspective of a landlord – when rates are higher, we do see rents increase as landlords attempt to cover their expenses.  I’ve also noticed, that vacancy rates are very low in Winnipeg.  You are going to pay those rates one way or another (unless you have parents that let you move in…)


10. This is a Season

Just as the historically and unprecedented low rates of 2020 were there for a season, so too, are the higher rates. This is simply a chapter of the interest rate changes and does not mean you are trapped in this particular situation for forever.  If your concern is that a home might decrease in value in Winnipeg, and that is what is holding you back, look again at history. Over 50 years of data, Winnipeg values have gone up every year except for 3.  The 3 years it didn’t go up were 1982 (Average price went from $55,231 to $53,994), then 1990 (Average price went from 87,021 to $85,018), then 1995 (Average price went from $89,352 to $87,387).  In the worst year, we are talking about a 2.3% decrease. However, a strong rebound followed the next year – including in 1983 when property values increased by 8%... far making up for the decline. However, had you have panicked sold or elected to wait until interest rates came down in 1982… you would have lost those gains.


11. Cost of Action vs. Inaction

Which brings me to my next point.  There is always a cost of action, but there is also a cost of inaction.  We need to look not only at the financial needs, but at all needs such as mental, and psychological costs involved with taking action or not taking action.  There is no right or wrong answer for all.  This is a case-by-case analysis.


At the end of the day, the focus should always be on what is best for you and your situation.  However, what I will caution you on is not taking action simply because you are scared of what you hear on the news about the market or the current interest rates. Every market is local, and every family is unique.  Get the information you need from your lender, from your Realtor, and set yourself up for success – when the time is right!


best realtor in winnipeg manitoba#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com

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Interest Rates and the Winnipeg Real Estate Market Winter 2023

At the time of writing this, we are at the eve of the next Interest Rate Announcement. I’ve been asked to comment a fair bit on the Winnipeg market, and where I think things are headed. The underlying concern behind every question I seem to receive, is the impact that interest rates are having on affordability.

My Prediction for Tomorrow: RATES HOLD. It would appear that the target inflation rates are on track for 2024.


The Bank of Canada has a few goals when we see policies as aggressive as we have this year. Namely:

  • Inflation reduction
  • Creating the appearance of instability and uncertainty, so consumers slow their spending.
  • Higher debt repayments reducing discretionary spending power
  • The feeling of "doom" tomorrow - so we hold onto our money today
  • Based on the conversations I have been having, I would say it feels certain that the market is feeling just that!

The largest concern is over interest rates. And I get it. According to Royal LePage, 3.4 million Canadians plan to renegotiate their mortgages in the next 14 months – and inevitably, most of them will be at higher rates. A recent poll also revealed that nearly 75% of homeowners are anxious about these upcoming changes. First, interest rates are higher than we have seen in the last decade – and I get that is scary. They have also jumped at a more aggressive pace than we have previously seen. Also scary. BUT, we have to remember WHY…. Anytime you see a period in which the Government begins printing money as they did during the pandemic, there is more money in the market to play with. As a result, spending increases, prices go up. The low interest rates made spending, particularly on housing, incredibly popular. There was now more cash in the market, low interest rates, and many behavioural shifts too as a result of new lifestyles brought on by a pandemic (working from home, needing a home gym, not needing to be as close to the office, etc.).


Home prices increased (a huge contributor to GDP) and inflation increased. The pandemic was unprecedented, but periods of high inflation were not – and the government did just as it should – it started to increase interest rates to slow down spending and get inflation to a more manageable level. So, we went from a target overnight rate of 1.25% in March of 2020 to a target overnight rate of 5% in July of 2023. There is no denying that this was a HUGE increase, and those with variable rate mortgages started to feel the crunch. There is also no denying that MANY people elected to lock in for fixed mortgages when the rates hit new lows in 2020, and many of those renewals will be coming up in 2025. Statistically speaking, Canadians like the security of fixed-rate mortgages with nearly 74% electing for one and 49% electing for 5-year terms. This was true even before these historically low interest rates of 2020. So yes, things are going to change, but I do want to highlight a few things:


  • History gives us a great deal of context, when we look to it and beyond what has happened over the last 3(ish) years. For instance, if you look at a history of 50 years of interest rates, did you know that you are actually coming out ahead in Canada, if your variable rate mortgage is below 6.8 percent or your five-year, fixed mortgage is below 8.6 percent? That is an historical average, taken over 50 years. In theory, anytime we are obtaining mortgages for less than 6%, we are doing okay.
  • NOW, not the end of your renewal term, is where you need to start looking at the numbers. Run the numbers now. Remember there will be principal paydown to take into account so the amount you will be mortgaging SHOULD be less than what you started with. Discuss with your lender what the payments will look like at current rates. My advice – if they’re going up, it isn’t a bad idea to get used to the idea now and feel if it’s comfortable for you. Many mortgage policies will allow you to pay off up to 20% of the principal every year, so try paying that higher rate between now and your formal renewal. Not only are you paying down your mortgage faster, you’re getting a sense of how comfortable those mortgage payments are for you and your lifestyle!
  • There are other options, too beyond just selling your home. Twenty-four percent of Canadians plan to extend their amortization period.
  • Some have said they plan to switch lenders – approximately 23%, but keep in mind that if you do so you have to requalify for the stress test.
  • Some may end up downsizing, and that’s okay too. You need to do what is comfortable for you.
  • Some will get creative. Perhaps take on a tenant to help offset costs
  • But let’s look at the flip-side of the coin. When interest rates were lower, buyers flood the market. Even a small decline in interest rates starts to increase buyer confidence. Which means, bidding wars, low inventory, and more. In my opinion, I would always prefer to buy in a market when nobody else is buying. Those investments are the ones that have performed the best for me, long term.
  • Rents have also been increasing in Winnipeg, and fairly substantially. Vacancy rates are low so this market also remains competitive.
  • Stress tests were instituted in 2016 for just this reason. To ensure that there is buffer in those mortgage rates.
  • Keep in mind that money was being given to us, for nearly free. When, in history, have we been able to borrow money at rates far below inflation…Many economists are seeing that we will never see the rates of 2020 again (I’ll never say never, but I agree it won’t be anytime soon).


On the Winnipeg market in general:

Winnipeg maintains its status as a stable yet predictable real estate market. While we might not have the flashy headlines of some other cities, our market consistently chugs along, usually on an upward trajectory.


For the past two decades, Winnipeg has been undeniably characterized as a Seller's Market. Since 2004, we've consistently witnessed remarkably high absorption rates, even as interest rates began their ascent in 2022. In August 2023, MLS sales recorded a 2% increase compared to the previous year and a concurrent 2% rise from July 2023. With the recent announcement by the Bank of Canada to maintain the Overnight Rate, there's every reason to believe that this upward trajectory will persist.


As vacancy rates have declined, they've exerted upward pressure on average rents, pushing them above the national average. Interestingly, while average rents have climbed, the average sales price for a residential detached home in Winnipeg remains approximately half of the national average. Consequently, the allure of buying in Winnipeg has grown significantly, appealing to both local buyers and out-of-province investors.


Our condominium market was the one exception to the upward trending market over the last decade. It experienced either declines or nearly stagnant sales for several years. However, we are now seeing renewed strength and nearly twice the volume of sell-through that we experienced pre-pandemic. Sales prices have surged by 5% this year, standing 10% above the five-year average. As the pandemic continues to wind down, I anticipate this resurgence will continue, marking an exciting time for condominium owners who have longed for gains in their equity, akin to their counterparts in the residential market.


A major driver in the Winnipeg market is also positive net migration, which we have continued to see in 2023 and those numbers plan to increase 2024-2026 according to the most recent Canada Immigration Levels Plan. Combine this with the lift of the Foreign Buyer Ban in 2025, and the market is likely going to remain on the long-standing upward trajectory.


And IF the market were to experience a year of decline it has in the past – the market has always surpassed that decline in the subsequent year. If history is any predictor of future behaviour, those that can hold longterm will be just fine.


Source: https://www.gov.mb.ca/jec/lmi/outlook/index.html

Source: https://financialpost.com/news/3-4-million-canadians-renew-mortgages-2025


top realtor in winnipeg, jennifer queen#AgentJen

Jennifer Queen

Phone: (204) 797-7945

Email: Jennifer@JenniferQueen.com

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AirBNB or Short Term Rental Woes in Canada - Will it affect Winnipeg?

Well, today we get to talk about a bit more of a “charged” topic, but it’s one that needs addressing and also one, that I myself had questions on.  And that is, the changes to the AirBNB legisltation! If you haven’t heard, the Federal Government has made some moves against AirBNB.


On November 22, The Canadian Government implemented tax measures specifically targeting AirBNB owners.  The goal (as they said) was aimed at alleviating a severe shortage of rental housing. The only way that the Fed can truly attack short term rentals in Canada, is tricky.  Because this is a property issue, and properties fall under provincial and municipal rules.  But they found a way – through the CRA. There were a few measures suggested which included:


  • Restricting income tax deductions on short-term rentals provided by services such as Airbnb Inc and VRBO
  • Enacting similar laws as introduced in other countries

We have seen other countries enforce some strict AirBNB policies, including Spain, France and Australia. We’ve even heard about it from major cities like New York, Las Vegas, and Singapore. 


Effective from January 1, the new rules apply in provinces and municipalities that already restrict or prohibit short-term rentals are going to be hit harder.  They will no longer be able to deduct their rental expenses against income.  We aren’t just talking costs of upkeeping the properties, we are talking interest expenses, depreciation, etc.


In major cities such as Montréal, Toronto, and Vancouver, an estimated 18,900 homes were utilized as short-term rental properties in 2020, a number likely to have increased since then. Although, AirBNB says its rental rates in Southern Ontario are down.


Nathan Rotman, Airbnb's policy lead for Canada, argued against home-sharing regulations as a solution to Canada's housing crisis, emphasizing that the majority of Airbnb hosts share a single home to supplement their income, representing less than 1 per cent of the country's housing stock.


In a move to enable municipal enforcement of short-term rental restrictions, the Canadian government plans to allocate C$50 million over three years starting in 2024.  We have already seen some attempts at managing the issue such as regulatory measures in various cities, including requirements for hosts to obtain licenses and pay registration fees.


Canada's housing market has struggled to keep pace with the country's immigration-driven population growth.  We continue to see short-sighted policies such as Foreign Buyer Bans, (which has nearly completely fallen apart now), and other measures to try and give the impression that we are doing something to address the issue, we are treating a symptom, and not the underlying problem, in my opinion. We are in no way arriving at a comprehensive solution to the housing shortage.


And that problem comes up again and again – a lack of housing, and not just affordable housing.  We still have nowhere near the housing starts we need in Canada to hit the projected demand over the next decade. Demand has outstripped the supply.


There are rational exemptions, similar to what we saw in other countries.  If a portion of the property is owner-occupied – you rent out a room, an in-law suite, etc. you are still going to be fine.  But independent property that you are renting for profit, as if it were a hotel, you are going to be taxed out the wazoo.  Top of Form


But the message is clear – the Governments are angling to persecute short term rentals, such as AirBNB at ALL LEVELS.  What I predict:

  • We will see some Airbnb operators continue to cheat.  It will be interesting to see how far that $50 million enforcement offer from the federal government goes.
  • Many short term rental owners will come to believe the end is near and that they should sell now.
  • We will likely start to see some “creative” ways around the new tax laws too.


Just as an aside, I do understand the limitations in cities like Toronto and Vancouver, where a condominium is truly being used as a hotel suite, and neighbouring residents don’t enjoy the constant traffic.  But what about destinations that are truly for that of tourists.  Beach towns, cottages, etc.  Areas that were never seeing long-term tenancies. How do we deal with one and not the other, with these types of policies? Minimal impact on the “real problem” but gives the impression that the government is doing something to help.  Interestingly, Ottawa noted that short term rentals provided a benefit in the rural zoning areas and have a specific exemption for them. The new rules could undermine areas such as this, though.


There are positives and negatives with Short Term Rentals.  Positives being:

  1. Providing accommodation to guests where amenities are closer than some hotels (often kms away)
  2. Giving flexibility to families
  3. Providing a different experience for out of town visitors; etc.


Negative examples include:

  1. Party houses
  2. Lack of enforcement of OBC and fire safety rules.
 

The negative ones are the ones that I think should be targeted instead.  But you can’t, with an overarching policy aimed at deterring all by way of taxes.


What is frustrating, is how reactive we are.  I understand, we are slow to catch on, especially in tech-startups, where things do tend to escalate much more quickly. But the issue is going to continue to come back, again and again to the lack of housing supply.  It has been a recurring theme for years now, just made more prominent in the heights of the pandemic.  But let’s revisit that the Canada Mortgage and Housing Corporation (CMHC) estimates that the country needs to build 3.5 million more housing units by 2030 to meet the increasing demand, driven in part by record immigration.  Keep in mind that many in the mortgage industry identified the looming housing shortage first in 2009. We have also not seen a reduction in egregious development fees and costs.  In fact, they have increased in Manitoba.  We also have not seen a lightening of the permitting process here.


What we need are long-term solutions.  Incentives for building and development that can accommodate the increasing population.  Then, and only then, will we truly see supply that meets the demand.


AirBNB in Canada with Winnipeg Realtor#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com

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Basic Guide to Real Estate Investing for Beginners

Real estate investment has been and will continue to be a very popular and proven way to build wealth, and just not just for seasoned investors. If you're new to the world of real estate investing, this beginner's guide will help you navigate the basics, so you can start your journey towards financial prosperity.


So, Why Invest in Real Estate?

Investing in real estate can be a lucrative and popular wealth-building strategy for seasoned investors as well as beginners, for several reasons.  My favourite reasons, you ask:



Appreciation: Real estate tends to appreciate over time, which means your property's value can increase, potentially leading to capital gains (a profit from the sale of property or an investment).


Cash Flow: Rental properties can generate a steady stream of rental income, offering a consistent cash flow.


Tax Benefits: Real estate investors can capitalize on various tax advantages, including deductions for mortgage interest, property depreciation, and more.


Leverage: Real estate allows you to use leverage by financing a property with a mortgage, enabling you to control a more valuable asset with a relatively small upfront investment.


Portfolio Diversification: Real estate can diversify your investment portfolio, reducing risk compared to having all your money in stocks or bonds.

 

Getting Started: Steps for Beginners

Educate Yourself: Before diving in, take the time to learn about real estate investing. Read books, attend seminars, and follow reputable real estate websites and blogs (like us).


Define Your Goals: Determine what you want to achieve with real estate investing. Are you looking for passive income, long-term appreciation, or a combination of both?


Be Patient: Investing in real estate requires a long-term perspective. Identifying the ideal property, completing renovations, and establishing a steady rental income all take time. Maintain patience and concentrate on your overarching investment objectives.


Choose Your Investment Strategy:

  • Buy and Hold: Purchase rental properties to generate consistent rental income.
  • Fix and Flip: Buy distressed properties, renovate them, and sell for a profit.
  • Location: Carefully research and select the right location for your investment. Consider factors like job growth, schools, safety, and future development.
  • Property Selection: Choose a property that aligns with your investment strategy. It's important to consider property type, size, condition, and potential for appreciation.
  • Property Management: Decide whether you'll manage the property yourself or hire a property management company to handle day-to-day operations/tenants/leases.
  • Market Analysis; Keep an eye on the local real estate market and economic trends. Understanding market conditions can help you make informed investment decisions.
  • Rick Management: Diversify your real estate portfolio and have a plan for handling unexpected expenses or vacancies.
  • Start Small: As a beginner, consider starting with a single property to gain experience and confidence.


Final Thoughts

Embarking on real estate investing as a beginner can yield profitable and rewarding benefits but it comes with its share of challenges. It is essential to approach it with a long-term perspective, continuous learning, and a solid financial plan. With the right strategy and dedication, real estate can be a path to financial security and wealth-building that even beginners can embark on.

It is crucial to remember, every successful real estate investor started somewhere, and with the right knowledge and mindset, you can begin your journey towards financial independence through real estate investment. Good luck, and happy investing!


Top real estate advisors in winnipeg#AgentAmy


Amy McDermid

Phone: (204) 470-5356
Email: Amy@JenniferQueen.com

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BRRR Strategy in Winnipeg, Manitoba

Ninety percent of millionaires are invested in Real Estate. And we know why!  Today, I’m going to talk to you about what investing in Real Estate in Winnipeg looks like.  I'll give you real life experiences from my own rental portfolio, too!

Now I just want to preface this with I am not here to advise you on what to choose to invest your funds in, I’m merely here to share my experiences with you in investing in the Winnipeg Real Estate Market. Keep in mind that my husband and I are both Realtors, and super comfortable in dealing in Real Estate, but our situation is not everyone’s situation – so please do your own research, talk to your own accountant, financial planner, etc. to figure out what would be best for you.


As a Realtor, I think it is important to believe in what you sell anytime that you are in sales, and while we do sell residential homes, we often sell properties to investors too.  Part of our initial desire to explore this space was just to gain the experience.  And boy, are we glad we did!  It turns out, that Real Estate is incredibly attractive to invest within, for a few reasons:

  • Passive Income – the majority of people make their money through actively working – essentially trading hours for dollars.  With Real Estate, someone is living within your property and paying you to do so.  We have chosen a property management company to handle our rentals, even though it means less cashflow at the end of the month, because for us, the peace that comes with handing that task over, was worth it.
  • Appreciation – There are going to be ups and downs in any market, but in general, held over a long period of time, the value goes up.  We are not short term investors.  We have bought these properties to hold for many years to come.
  • Forced Appreciation – this is when the value of your property increases substantially because of an improvement you made to it.  Again, this is something we are very comfortable assessing and knowing what “value add” projects are.
  • Increasing Rent combined with principle pay down – It is linked to appreciation, but I think it is something people often forget to consider as part of the whole equation. Rent continues to climb every year, while the mortgage payment shrinks (barring rocketing interest rates). Your net income should only widen every year you carry the property.
  • Leverage – so yes, you can buy stocks on margin and use leverage in other markets. BUT, and correct me if I am wrong in the comments section below, I know of very few investments that you can purchase where you can use 80% of other people’s money for extended periods of time.  We have only needed to provide a 20% down payment for each of these mortgages, with the exception of one that needed substantial foundation repair where the bank asked us to come up with a larger down payment. You can also leverage people’s time – having property managers handle tenants, hiring contractors to make your improvements.


But here is a point of leverage where I think I need to stop.  Because I find so many people get hung up on it seeming difficult to figure this process out, but after we owned our first rental property we said “Wait, what? That’s it?  It’s that easy!?” And really, it is.  Real Estate isn’t rocket science.  This was ALL we needed to get started:

  • A 20% downpayment
  • Decent credit
  • A proposed monthly rental net-income (the bank did have an appraiser confirm was reasonable).  They will take your rental amount and subtract taxes, utility costs, management fees, vacancy fee, etc.  But if your numbers come out, that is what matters.
  • That was it!


So once we confirmed with them that we had a 20% down payment for our first rental property, and we gave them the house address, selling price, estimated rental amount, they ordered an appraisal (just to confirm the bank wouldn't be underwater on the mortgage in the event we defaulted) and with that, we were told “You are good to go!”. 

Now I know what you are thinking – Jen, this is all fine and dandy, but it takes a LOOOONNNNGGGG time to save up a 20% down payment with home prices these days.  It’s not something that can be done quickly.  And yes, the first time of saving it up could definitely be a struggle.  But getting back to the leverage portion, let me now give you an example of just how far you can stretch your dollar with a real-life example:

We bought a property for $180,000 (not quite but for the sake of easier numbers, let’s go with it because it is close enough).

Which means we needed a down payment of $36,000.  Side bar – don’t forget closing costs.

Now, the property needed work – she wasn’t pretty. We ended up putting in about $20,000 of renovations.  So now we have put $56,000 into the property of our own money.

That doesn’t sound like leverage at all, does it!?

Well here is the thing… once the renovations were done, the value of the property had increased.  So we had the bank do a second appraisal.  That appraisal amount came back at $250,000.  But the best part, the bank said now we can refinance at the new value – which means now instead of the $144,000 loan they were providing us before, they would now be willing to provide us with a loan of $200,000 (or 80% of the property value).  This means that there was an additional $56,000 that could be taken out and used for the purchase of another property.


Now as long as you numbers make sense to do this – as in the new rental amounts will cover the expense of your new mortgage payment, then this strategy can work.  But knowing your market, market rents, interest rates what tenants are looking for, the cost of materials and labour, etc. are paramount.  Having a Realtor that can help navigate that process, is also incredibly important. 


Also, as humans, I find that we can be overly optimistic sometimes so always be sure to leave yourself room for error. 


Also, I've had clients that have done renovations and came out under budget - shockingly.  In those situations, they actually walked away with more money to invest in the next property than to just pull the exact amount out, as we did above. And that’s great. We don’t tend to hire cheap labour, nor do we do any of the work ourselves anymore just because time doesn’t allow. 

But if you wanted to earn some sweat equity along the process, there are certainly going to be opportunities. Just remember that time is money – and if you doing the work slows down the process, you might want to look at hiring out.


Anyways, so we invested $36,000 with our down payment, the additional $20,000 in renovations.  The rent went up by about $800 per month, if you can believe it, as we now had a much more attractive property to rent out, and it is in a GREAT area.


But the best part, is that $56,000 we put into it, is now available to be reinvested in the next property. If you do this process, and repeat it again and again, over time you can amass quite a large portfolio.


If you enjoyed this content today, let me know as I am always happy to delve a bit deeper into the topic, but only if it’s what you guys want to hear!  Also, if you are interested in investing in real estate, I highly recommend the Bigger Pockets Podcast, as that was what first got me thinking about the BRRRR strategy (Buy, renovate, rent, refinance, repeat).  Sometimes it takes hearing the journey of others to find the confidence to take the leap.  That was what I needed, and I hope hearing this story and other stories, it can help you, too!


Again, this is not financial advice, this is just an example of what is working for us in our investment journey.  Even though we invest heavily in Real Estate we still believe too in diversifying through other investment vehicles too – stocks, RRSP’s, etc. But Real Estate is always going to be my personal favourite (for obvious reasons). 


Let me know if you want to see more content like this, on this blog.  I'm happy to share about any of my experiences, but I also don't mean to bore anyone to death either!


Best realtor in winnipeg manitoba#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com

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Projects with the best Return on Investment

I am often asked what projects should a homeowner focus on when it comes to getting their home ready for sale.  Here is where I think you should be focusing that money!


Now I realize that not everyone has an unlimited budget for prepping a home – and the same goes for unlimited time! So what I am going to do here is go by the projects with the highest returns first – so that you can focus on these areas and then go from there. Also, I get asked ALL the time in this Seller's market whether or not it is still worthwile doing renovations.

It is ALWAYS going to pay off to put your best foot forward. 

A good first impression is incredibly important.  Also, the homes we are seeing with multiple bids on them, are the ones that show much better than their competitors.  So YES, it is worth it to still do the work!


So let’s get into the projects:

Project with THE BEST ROI: Paint!

This project has the best ROI for a few reasons – first, it is not expensive to paint and it is relatively easy to do.  However, if done properly, painting can absolutely freshen up a home, add lightness to a home, and flatter certain aspects.  Now there are things you are going to want to consider when picking your paint – particularly colour and finish.  Be sure to consult with your Realtor to see what buyers are responding most positively to.  Also, you don’t necessarily need to paint the entire house.  In my experience, the best returns have often come from painting main living spaces such as living rooms, dining rooms and kitchens.  Sometimes the primary bedroom, but rarely is there return on secondary bedrooms. According to a recent RE/MAX study, a fresh coat of paint typically garners a 60% return on your investment.


The Home’s Jewelry:

Another project that actually goes a long way can be a more minor update – but I like to call it changing your home’s “jewelry”.  In essence, if you have handles on your kitchen cupboards that are more dated, or old door knobs and handles, something as simple as swapping these out for newer, more modern options can change the look of the house.  You might want to freshen some other things up while you are at it – perhaps update a few light fixtures, but we aren't talking about going crazy here.  Changing your home’s jewelry combined with your paint, will really change the overall look of the rooms within your home!  While this is more difficult to estimate return, it is usually around the 50% return on investment.


Kitchen Refresh

Kitchen renovations always garner some of the largest returns when it comes to renovations. Makes sense - the kitchen really is at the heart of every home.  Adding new countertops or upgrading appliances can be relatively inexpensive upgrades that can have a huge impact. Again, talk to your Realtor before any major undertakings, because this needs to be assessed on a case-by-case basis.  But on average, kitchen returns usually have anywhere from a 50-100% return depending on the project!  While the returns might be higher than some other projects, I’ve put this one lower in the list just because the expense of some projects – for example a slab of stone - can be quite costly!


Flooring

There can also be huge returns when it comes to replacing flooring within your home.  In fact, the return can be closer to 150% of your investment – so why do I place this renovation nearer to the end of this list?  The reason really is because there are a few factors that must be considered.  First, what type of flooring are you doing?  Keep in mind, carpet does not have as strong of a return.  Buyers will prefer hardwoods, laminates, or luxury vinyl plank typically over carpets. Not necessarily in that order, either.  But the most important factor in all of this – is proper installation.  I cannot tell you how many homes I’ve shown where an owner has recently installed new flooring but it was poorly installed.  There are gaps in between floor boards, or they are inexperienced in placement of the planks and it looks awful. You are only going to hit those 150% returns on investment if you are buying flooring that is on trend and having it properly installed.  So again, be certain that you talk to your Realtor before taking on any such project. As a further note here too, if there is carpeting in your home that you intend to leave, BE SURE to have it professionally cleaned a few days prior to listing. 


Bathroom Renovations

A renovated bathroom has around a 60% return as well – but is a much more difficult undertaking when it comes to dealing with plumbing, tiling, etc.  The best returns are usually seen when you are redoing the primary bathroom – perhaps creating more of a spa-like atmosphere.  But the majority of those renovations do start around $12,000 and go upwards from there – hence why I have put this one lower in the list.


Curb Appeal

I actually saved the best for last! Curb appeal is so incredibly important and likely one of the best ROI’s out there.  Your buyer will already be forming an opinion as they approach your home.  Think of some inexpensive projects like trimming hedges, trees.  Planting some shrubs, repainting the front door, adding some planters, and freshening up any trim or paint. This goes a LONG way – and I would guesstimate has some even higher ROI although I couldn’t find any statistics to support this!  But I promise, I've seen homeowners add 10's of thousands of dollars by simply removing a few overgrown, cedar hedges!


So even once you’ve done all of these projects, there is still one more project that I highly recommend - Ensure your home is properly staged. 

Do you have your furniture placed in the right areas of the home to maximize how it shows?  Will it flow for a typical buyer’s needs?  Are you painting the proper blank canvas? Staging is paramount to making sure your home shows in its best light.  And I don’t mean you have to bring in new furniture or anything crazy like that, necessarily.  Oftentimes this means working with your existing furniture and just tweaking it.  But again, that is something your Realtor can comment on.  And if you don't have a Realtor yet, call me!





Real Estate Advice in Winnipeg, Manitoba#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com

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Thoughts on the Winnipeg Fall Market, You Ask?

I was recently asked to share my thoughts on what the Fall market will be like in Winnipeg with Real Estate Magazine (REM).  I like to share my predictions, just so we can see how accurate they turn out to be, months from now.  Usually, there is a 50% chance I may just be right! Yell


Without further adieu, here was my response to the magazine:


Winnipeg maintains its status as a stable yet predictable real estate market. While we might not have the flashy headlines of some other cities, our market consistently chugs along, usually on an upward trajectory.


For the past two decades, Winnipeg has been undeniably characterized as a Seller's Market. Since 2004, we've consistently witnessed remarkably high absorption rates, even as interest rates began their ascent in 2022. In August 2023, MLS sales recorded a 2% increase compared to the previous year and a concurrent 2% rise from July 2023. With the recent announcement by the Bank of Canada to maintain the Overnight Rate, there's every reason to believe that this upward trajectory will persist.


As vacancy rates have declined, they've exerted upward pressure on average rents, pushing them above the national average. Interestingly, while average rents have climbed, the average sales price for a residential detached home in Winnipeg remains approximately half of the national average. Consequently, the allure of buying in Winnipeg has grown significantly, appealing to both local buyers and out-of-province investors.


Our condominium market was the one exception to the upward trending market over the last decade.  It experienced either declines or nearly stagnant sales for several years. However, we are now seeing renewed strength and nearly twice the volume of sell-through that we experienced pre-pandemic. Sales prices have surged by 5% this year, standing 10% above the five-year average. As the pandemic continues to wind down, I anticipate this resurgence will continue, marking an exciting time for condominium owners who have longed for gains in their equity, akin to their counterparts in the residential market.


Regrettably for buyers, the Seller's Market is expected to persist through the Fall of 2023. It will echo the familiar tune of the last two decades, characterized by high absorption rates, steady but measured increases in average sales prices, and the ever-present specter of bidding wars. In Winnipeg, slow and steady continues to be the winning strategy.


Top real estate agent in Winnipeg MB#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com

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What $1 Million Dollars Can Buy Across Canada

Curious what you can afford across Canada?  Today, I highlight a snippet of just what $1million dollars will afford across our beautiful country!

Buying a home is the largest transaction most people make in their life. Deciding where to plant your roots is influenced by a multitude of factors such as your career, family, where you were born and raised, the lifestyle you enjoy, and affordability. From coast to coast the value of real estate differs drastically. Considering where you should move? Let’s take a look at what one million dollars can buy you in across Canada.


1. British Columbia

Vancouver, British Columbia is known for its natural beauty, and laidback lifestyle. The average property price (all types) is around the 1.2 million mark, with the average detached home being around 2.3 million.

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homes for sale in winnipeg2. Alberta

One province over we have Edmonton, Alberta. The median price for a detached home in Edmonton is approximately $450,000.


Located in the centre of Edmonton, you can purchase a 1500 sqft walkout bungalow in a gated community. This home has 2 bedrooms and 2.5 bedrooms and is listed just under a million.


If you venture to the outskirts of Edmonton, $999,900 can get you a 4 bed, 3 bath home built in 2017. This home has a large backyard and updated features throughout.


3. Saskatchewan

Heading East, we come to Regina Saskatchewan. The average home price is just under $321,000 (all property types).

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For $999,900 you can buy a 5 bedroom, 4 bathroom, 3000 sqft two story with a large backyard, triple attached garage and updated features throughout.  

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4. Manitoba

Next up we have home sweet home, Winnipeg, Manitoba! August 2023 showed us an average price for a detached home to be $405,477, while condominiums were just over the $279,000 mark. This is the first month in 2023 that MLS sales have performed better than the same month in 2022. Lets check out what you can buy for a million dollars here at home.


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For $999,900, you can get a brand new custom built Artista home in Sage creek! 2089 sqft, 4 bedrooms, 4 bathrooms and a double attached garage. Artista spares no details in this modern home. 


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5. Ontario

Average price quickly skyrockets as you head towards our next capital city, Toronto. Detached homes averaged around 1.3 million, while townhomes average around $815,000.


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For $999,000, you can get a 1394 sqft home with 3 bedrooms and 1 bathroom right inside the city.


#6 Quebec

The average home price in Quebec fell just short of $498,000 in August 2023. Interested in downtown Quebec city? A million dollars can buy you this luxury penthouse apartment. 1442 sqft. 2 beds, 2 baths, and a private rooftop patio.


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Heading to the outskirts of Quebec city, a million dollars can get you this 2021 built, 4 bedroom, 1 bathroom gorgeous modern home.


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#7 New Brunswick

Average sales price YTD rose just over the $300,000 mark.


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Head to the capital city, Fredericton and you can get this stunning 2474 sqft, 4 bedroom, 4 bathroom retreat. Listed at $1,149,000


#8 Newfoundland

The YTD average of all property types in Newfoundland is $283,000.


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Located just outside of St Johns, this 4 bedroom, 5 bathroom, 5260 sqft modern home will run you just under a million dollars!


#9 Nova Scotia

Nova scotia has an average home price falling just under $430,000. For $999,000, right downtown in Halifax, you can get a 4 bedroom, 4 bathroom, 2440 sqft home.


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#10 PEI

Canada’s smallest province saw an average home price around the $386,000 mark YTD.


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Venturing just outside of Charlottetown PEI, $1,049,900 can get you a 3 bedroom, 3 bathroom home with a charming kitchen and plenty of yard space to enjoy!


You made it across every Canadian Province. If you had a million dollars to spend on one of these homes, where are you moving to?!


winnipeg's best realtors#AgentSheyla


Sheyla Duncan

Phone: (204) 871-3228
Email: Sheyla@JenniferQueen.com

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The Winnipeg Wonder: Unveiling the Allure of Moving to the Heart of Canada

Discovering Winnipeg's Unique Charms for New Residents

Embarking on the journey of moving to Winnipeg unravels a tapestry of unique experiences in the heart of Canada. Let's delve into what makes this city a hidden gem and why more people are choosing to call it home.

Winnipeg, situated on Treaty 1 territory, has grown from a fur trading post into a vibrant metropolitan hub. Its multicultural roots and thriving arts scene set it apart as a city with a distinct identity.

Key Details:

  1. Culinary Delights: Winnipeg's food scene reflects its diverse population, offering everything from Ukrainian perogies to Indigenous bannock tacos.
  2. Cultural Hub: Home to the Canadian Museum for Human Rights and the Winnipeg Art Gallery, the city boasts cultural landmarks that draw visitors and locals alike.
  3. Friendly Atmosphere: Winnipeggers are renowned for their welcoming nature, creating a sense of community that eases the transition for newcomers.

Common Confusion: Prospective residents may wonder about job opportunities. Winnipeg's growing economy, with strengths in manufacturing, technology, and healthcare, provides ample employment options.

In recent years, Winnipeg has become a sought-after destination for families, young professionals, and artists, offering an affordable yet vibrant lifestyle.

Tips or Best Practices:

  1. Attend Local Events: Immerse yourself in the city's culture by attending events like Folklorama or the Winnipeg Fringe Theatre Festival.
  2. Connect with Locals: Join community groups or attend meetups to forge connections and quickly become a part of Winnipeg's welcoming community.

Conclusion: As you prepare for the exciting journey of moving to Winnipeg, remember that beyond the ges lies a city with a wealth of opportunities and a warm embrace. Embrace the adventure, explore the neighborhoods, and get ready to call Winnipeg your home sweet home.


Moving to Winnipeg#AgentJen


Jennifer Queen

Phone: (204) 797-7945
Email: Jennifer@JenniferQueen.com


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Our website has been designed with the intention of providing you access to the Best Realtor in Winnipeg -by this, we mean the best Realtor for you and your needs, although we do strive to be the best real estate agents in Winnipeg based on our customer service, follow-up care, and customized services for our clients. Not only that, but we offer access to agents that specialize in every quadrant of the city. We have a real estate agent for Sage Creek, a real estate agent for Windsor Park, etc. So if you are looking for a neighbourhood expert, just contact us to see who would be the best match for you and your search! If you are looking for a top realtor in Winnipeg, then look no further. You have found us!


We have created several pages to help you navigate through your search and narrow down key areas of interest. Whether it be Sage Creek Real Estate, Windsor Park Real Estate, Fort Garry Real Estate, Transcona Real Estate, Luxury Real Estate, or just Winnipeg Real Estate in general, we have got you covered. Do you feel we are missing a community that would be of interest to you? Let us know, we would love to add information that our clients find useful!




Jennifer Queen Personal Real Estate Corporation