September has arrived, summer is winding down, and the Canadian real estate market is heading into an important fall season.

If you've been thinking about buying a home, selling, refinancing, or renewing your mortgage, you may be wondering the same thing as everyone else:

Where are interest rates headed next?

Unfortunately, there isn't a simple answer.

Buying a home is an exciting milestone, but before you move in, there’s one crucial step you don’t want to miss: the walk-through before move-in. This checklist ensures that your new home is ready for you and your family on day one. 

In 2025, Manitoba's housing market remains competitive, with bidding wars becoming increasingly common — especially in high-demand areas like Winnipeg, Brandon, and Steinbach. If you're in the market to buy a home, you may be tempted — or even encouraged — to write a “clean” offer with no conditions in order to beat out other buyers.

But before you take that risk, it’s essential to understand the potential consequences of submitting an unconditional offer to purchase, especially if you're relying on mortgage financing to buy your home.