BUYING
AREAS I SERVE
Greater Toronto Area
Hamilton
Windsor
Waterloo Region
Niagara Region
Buyer's Guide
1. Know Your Budget
Down Payment: Minimum 5% for homes under $500K, 10% for amounts $500K - 1.5m.
Closing Costs: Budget 1.5% to 4% of the home price for land transfer tax, inspections, and legal fees.
Mortgage Pre-Approval: Secure pre-approval to streamline your search and show sellers you’re serious.
2. Pick Your Perfect Location
Urban or Suburban: Decide between busy cities like Toronto or quieter suburbs.
Commute & Amenities: Consider proximity to work, transit, and schools.
3. Work with a Real Estate Agent
Local Expertise: An agent knows the market and will help you find the best homes.
Negotiation: They’ll handle the back-and-forth with sellers and secure a great deal.
4. Make Your Move with Confidence
Offer & Conditions: Once you find a home, your agent will draft an offer with necessary conditions (like home inspections).
Secure Financing: Finalize your mortgage, and make sure you qualify under the stress test.
5. Close the Deal
Finalize Paperwork: Pay closing costs and land transfer tax.
Get the Keys: Sign, seal, and move in!
6. Enjoy Your New Home!
Update your address, set up utilities, and settle in!
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