Expert guidance, simple explanations, and a stress-free first purchase experience.
Buying your first home in Winnipeg doesn't need to feel overwhelming. At The Spooner Group, we walk you through every step — down payment, credit, pre-approval, lender rules, closing costs, and what you actually qualify for.
We make the process clear and empowering.
Know exactly what you can afford before you start house hunting — same day in most cases
We shop multiple lenders to get you the best rates and terms for your situation
Understand exactly what you can afford — monthly payment, down payment, and total budget
No surprises — we break down every cost so you know exactly what to budget
We guide you through federal and provincial programs to maximize your savings
No pressure, no confusing terms — just clear guidance from someone who cares
We help you navigate:
Withdraw up to $60,000 from your RRSP tax-free to put toward your down payment. We'll explain how it works and help you use it strategically.
If you're buying a newly built home, you may qualify for a rebate of up to $36,000 on GST/HST paid. We'll make sure you don't miss out.
Local lenders and credit unions often have special programs for Manitoba residents — we know which ones to access.
The Fix: Get pre-approved BEFORE you start house hunting. This shows sellers you're serious and prevents disappointment when you find "the one."
The Fix: Banks only show you their own products. We compare multiple lenders to find the best fit — often with better rates and more flexible terms.
The Fix: Just because you qualify for a certain amount doesn't mean you should spend it all. We help you balance mortgage approval with comfortable monthly payments.
The Fix: Closing costs typically range from 1.5-4% of your purchase price. We walk you through every expense so there are no surprises on closing day.
The Fix: A low rate isn't everything. Prepayment options, penalties, and terms matter too. We look at the full picture to get you the best mortgage for YOUR goals.