New Financing Makes Laneway Homes in Winnipeg Easier Than Ever

Thanks to new government-backed initiatives, the financial path to building a laneway home just got a whole lot easier.

1. $80,000 Low-Interest Loan for Secondary Suites

Homeowners across Canada now have access to a government program offering up to $80,000 in low-interest loans specifically for building or upgrading secondary suites, including laneway homes in Winnipeg. With a low 2% interest rate and a 15-year repayment term, this program helps reduce the upfront burden of construction costs and makes it easier for homeowners to get started.

This loan is ideal for those wanting to build a new income-generating suite or adapt an existing structure—like a detached garage—into a fully functional living space.

2. Mortgage Refinancing Up to 90% of Home’s Value

A new mortgage refinancing option now allows homeowners to borrow up to 90% of the post-renovation value of their property—unlocking serious capital for larger projects like laneway homes. Unlike traditional refinancing, this program is tailored for projects that increase the livable square footage of a home, such as the addition of a secondary suite in Winnipeg.

This program is particularly beneficial for homeowners who may not have immediate cash reserves but want to invest in a future-proof upgrade that brings both lifestyle and financial benefits.

Laneway homes in Winnipeg are quickly becoming one of the most innovative and practical solutions to today’s urban housing challenges. These compact dwellings—built in the backyards or laneways of existing residential lots—offer homeowners a unique way to increase usable space, accommodate changing family needs, and create new streams of rental income in Winnipeg.

At Laneway by Dwell, we specialize in custom-designed laneway homes that complement the charm of Winnipeg’s established neighbourhoods while introducing sleek, modern, and sustainable design. Whether your goal is to create a legal secondary suite in Winnipeg, bring aging parents closer to home, or simply make the most of your lot, our integrated team of designers, builders, and project managers will guide you through every step of the process.

Why More Homeowners Are Choosing Laneway Homes

The demand for laneway homes in Winnipeg is rising fast—and for good reason. These homes offer a flexible, future-ready housing option that fits a wide range of lifestyles and goals:

• Generate Passive Rental Income
  Laneway homes can serve as long-term rental units, helping homeowners pay down their mortgage or generate a new monthly income stream.

• Create Space for Family
  Multigenerational living is on the rise. Laneway homes offer an independent, private space for aging parents, adult children, or visiting relatives.

• Future-Proof Your Property
  Use the space now as a guest suite, studio, or home office—and keep it in your back pocket as a retirement downsizing option later.

• Add Long-Term Value
  Properties with legal secondary suites in Winnipeg are often valued higher and more attractive to future buyers, making this a smart long-term investment.

Building with Laneway by Dwell

At Laneway by Dwell, we’ve built our reputation on quality, transparency, and smart design. We offer a full-service, turnkey solution that includes:

• Architectural design tailored to your lot and goals

• Full permitting and compliance with City of Winnipeg zoning regulations

• Construction management with an emphasis on quality and energy efficiency

• Assistance with applying for financing or navigating CMHC programs

Our laneway homes are built to the highest standards, with thoughtful layouts, large windows for natural light, and the durability to withstand Winnipeg’s four-season climate.

Your Path to Rental Income and Long-Term Value Starts Here

A laneway home in Winnipeg is more than just an extra building—it’s an opportunity to rethink how you use your property, support your family, and build lasting rental income in Winnipeg. With new financing options now available and the design/build expertise of Laneway by Dwell, there’s never been a better time to take the next step.

Ready to learn more about how a secondary suite in Winnipeg can transform your home and your finances? Contact our team today for a consultation. We’ll walk you through your options and help you build something truly valuable—on your terms, on your lot, and for your future.

The information provided in this blog post is for general informational purposes only and does not constitute legal, financial, or construction advice. While Laneway by Dwell strives to ensure the accuracy and timeliness of all content, we make no warranties or representations regarding the completeness or suitability of the information contained herein.

Eligibility for financing programs, including those referenced from the Canada Mortgage and Housing Corporation (CMHC), may vary based on individual circumstances and are subject to change without notice. All homeowners are encouraged to consult with a licensed financial advisor, mortgage broker, or legal professional before making decisions related to construction, financing, or property use.

All building projects, including laneway homes and secondary suites in Manitoba, are subject to compliance with applicable municipal bylaws, zoning regulations, and provincial building codes. Laneway by Dwell assumes no responsibility for outcomes resulting from the use or interpretation of the information provided.