From your first conversation with a lender to the day you get the keys, I'll make sure you know what's next and help you avoid overpaying.
Step by step
Buying a home is a big step. Here's how we'll get there together.
Know your budget before you shop. A pre-approval also holds your interest rate for a period of time and makes your offer stronger.
We'll talk about neighbourhoods, commute, schools and must-haves, and I'll set up listing alerts so you see new homes first.
I'll book showings, point out things to watch for, and pull recent sales so you know what each home is really worth.
We'll decide on price, deposit and conditions together, then I'll negotiate the terms on your behalf.
Complete your home inspection, financing and any other conditions. Once they're met, the sale is firm.
Your lawyer handles the paperwork and funds. Then you get the keys and move in.
Plan your budget
Estimate your payment. Canadian mortgages are compounded twice a year, and this calculator does the same.
Estimated monthly payment
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Estimate only. It doesn't include mortgage default insurance, property tax or condo fees. Talk to a mortgage professional for exact numbers.
First-time buyers
These federal and Ontario programs can make a big difference. Rules change, so confirm the current details with your lender or accountant.
Save for your first home tax-free. Contributions are tax-deductible, and withdrawals for a qualifying home purchase aren't taxed.
Borrow from your own RRSP for your down payment, then pay it back to your RRSP over time.
First-time buyers in Ontario can get a refund on some or all of the provincial land transfer tax.
Some first-time buyers qualify for a 30-year amortization on an insured mortgage, which lowers the monthly payment.
Making an offer
When you find the right home, I'll pull the numbers, explain your options and write an offer that protects you.
Closing costs
Plan for closing costs of roughly 1.5% to 4% of the purchase price. Ottawa has no city land transfer tax, only the Ontario one.
Tell me what you're looking for and I'll send you homes that fit.
