Step 1: Call me to arrange a meeting 

Let me help you every step of the way.

When purchasing a home, you are faced with a multitude of decisions! Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. Although, once you have determined that you are ready to move forward with the required effort towards your home-purchasing goal, the rewards are unquestionable.

While at your side each step of the way, I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details attending the actual purchase.

I am always familiar with the current homes on the market, and I know neighborhood values well, so I can help you determine which properties are fairly priced and in good condition before you start your search.

Your First Step

Your first step to buying a home is to first ask yourself why you want to buy a home: to stop paying rent? To start building equity? To raise a family? Next, list what kind of home you'd like and where you would like to be. Be specific. Separate the "must-haves" from the "want to have."

Think of yourself as zeroing in on a target, going from the general to the specific. Consider area (city, suburban neighborhood, country); community (north, south, east, or west side); neighborhood (older and settled or sparkling new; a particular school zone; recreational facilities; and other community services such as transportation, daycare, library, stores, entertainment). Ask yourself how many minutes you are willing to commute to work.

Think about home styles. How much space do you need? Does your situation require a one-level home, or are stairs acceptable? Consider the size and kind of property. Do you want a newer home, or maybe an older one to fix up? Someday you or your heirs will want to sell. Consider how long you expect to live in this particular home.

Your Next Step: Loan Pre-Qualification

Your next step in the purchasing process is to get pre-qualified with a mortgage lender. This is a critical step that should not be taken lightly.  I highly recommend we make sure you have a FULL pre-approval in hand.  This ensures the bank is committed to you and you can rely on that pre-approval for the following 90-120 days (not to worry, it's easy to extend). We'll also want your mortgage broker to have ALL of your documents he/she has requested.  Otherwise, you have a pre-approval based on what you have verbally told him/her and these items will still need to be verified before you actually have a true approval. This is an incredibly important step to have done correctly. 

View my recommended professionals of mortgage professionals that have an excellent reputation and track record.

I Will Find The Right Homes For You

Once you've been pre-qualified and know what price range you are comfortable with, I can help you determine which properties fit your needs by my extensive search criteria questionnaire and setting up a customized MLS (Multiple Listing Service) search.  Daily I preview homes and will email your specific matches on your schedule (daily, weekly, monthly, or even your choice of days)  

Give me a call today with your criteria - I may even know of your next home before it hits MLS. You can even search my listings here on my website.

I Will Help You Every Step Of The Way

I am here to guide you through every step - the showings, negotiations, inspection, and completion/possession process. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, successful, and en experience you feel compelled to rave to others about.

 

Costs of Buying  

Top Grants and Rebates for property buyers and owners (like the Home Buyers' Plan, or Homeowner Grant, etc.)

Are you a First Time Buyer? Find out here.

 

Property Transfer Tax: (more info here)

1% on 1st $200,000  

2% on the balance

3% on the portion of the fair market value greater than $2,000,000, and

If the property is residential, a further 2% on the portion of the fair market value greater than $3,000,000 (effective February 21, 2018)

Calculate Now

First Time Buyer Spending Between $500,000 to $525,000?  See your rebate amount here

 

 

Mortgage Costs:
Mortgage company's lawyer/notary
Appraisal (if applicable): approx. $300-$400
Land title registration fee
Mortgage Insurance and application fee (if high ratio mortgage)

 

Lawyer/Notary Fees: approx $1000 - $2000
Searching / Investigating title
Drafting documents
 
Home Insurance: $400 - $1500+ (depending on the home and coverages)

 

GST on new or substantially rebuilt homes - Calculate Here

Property/Fire Insurance

**This page should not be used for tax advice.  Always consult a tax accountant**