Whether you're a first time home buyer or an experienced investor, I'm committed to guiding you through the buying process.
There are important decisions along the way, and having someone in your corner who knows the market helps you avoid costly mistakes.
Buying a home is one of the most significant financial decisions you'll make. My goal is simple: to take the pressure off by keeping you informed at every step.
Please tell me about the home you're looking for, using the form below or by contacting me directly. Let's get started.
Financing Your Home
Most buyers finance their purchase with a mortgage, and getting pre-approved is the first step. Pre-approval tells you your budget, locks in your rate while you shop, and shows sellers you're a serious buyer. It's worth shopping around, banks and mortgage brokers compete for your business, so rates and terms can vary.
A couple of ways to pay less over time: shortening your amortization from 25 to 20 years, or switching to biweekly payments, both help you build equity faster and reduce the interest you pay.
Costs to Plan For
- Mortgage application or broker fee
- Appraisal fee
- Land survey fee
- Mortgage insurance if your down payment is under 20%, plus home insurance
- Legal fees and disbursements
- Due diligence costs, including home inspection, septic inspection, and perimeter drain inspection
- Property Transfer Tax:
- 1% on the fair market value up to and including $200,000
- 2% on the portion greater than $200,000 up to and including $2,000,000
- 3% on the portion greater than $2,000,000
- First time buyer rebates and some newly built home exemptions may apply
- GST on new homes (partial rebates may apply)
Making an Offer
When you're ready, I'll prepare your Offer to Purchase and walk you through every detail, price, deposit, financing, closing date, and any conditions that matter to you. If there's more than one offer on the table, I'll help you put your strongest offer forward from the start
