Mortgage strategy for HSC Winnipeg residents, fellows, and attending staff, in one of Canada's most affordable major markets.
A physician program could add
$0
to the home you can buy.
Estimate at 4.49%, stress tested at 6.49%, with 10% down, below the $1.5M insured limit.
Health Sciences Centre Winnipeg is in Winnipeg, Manitoba. Affiliation: University of Manitoba. Other hospitals nearby: St. Boniface, Children's Hospital of Winnipeg and Grace Hospital.
Price: CREA MLS Home Price Index, Winnipeg area, as published in the LSTAR July 2026 release. Tax: Manitoba Finance, land transfer tax; Teranet Manitoba, 2026 fee schedule. Rates reviewed August 2026.
Physician mortgages in WinnipegHighest purchase price, 10% down, no student debt, 4.49% stress tested at 6.49%, kept below the $1.5M insured limit. Resident pay: PARIM 2024-2027 collective agreement, schedule 1, in effect July 2026. Program figures: Physician projected-income program factsheet, September 2023 edition.
How much is the land transfer tax for an HSC Winnipeg physician?
Manitoba charges a tiered land transfer tax reaching 2% on value above $200,000, with no general first-time buyer rebate. On a $400,000 Winnipeg home the tax is about $5,650.
Closing costs in WinnipegIs Winnipeg affordable for HSC physicians?
Very. Winnipeg is among the most affordable major markets in Canada, so detached ownership on attending income is realistic early, even accounting for Manitoba's land transfer tax.
