Home Buyer's Guide
Your Complete Buyer's Guide
Everything you need to know about buying a home. From mortgage pre-approval to getting your keys, we'll guide you every step of the way.
8 Steps to Buying a Home
A proven roadmap from first-time buyers to experienced investors
Assess Your Finances
Review your credit score, calculate your budget, and determine how much you can afford. Factor in down payment, closing costs, and ongoing expenses like property taxes and maintenance.
Get Pre-Approved
A mortgage pre-approval shows sellers you're serious and tells you exactly how much you can borrow. Shop around with different lenders to find the best rates and terms.
Find a Realtor
Work with an experienced buyer's agent who knows the local market. A good realtor will help you find properties, negotiate offers, and navigate the entire buying process.
Search for Homes
Define your must-haves and nice-to-haves. Tour properties, attend open houses, and explore neighborhoods. Take notes and photos to help you compare options.
Make an Offer
When you find the right home, submit a competitive offer. Your realtor will help you determine a fair price, structure conditions, and negotiate with the seller.
Home Inspection & Conditions
Conduct a professional home inspection to uncover any issues. Review the property disclosure, title search, and any other conditions in your offer before removing them.
Finalize Your Mortgage
Once your offer is accepted, finalize your mortgage application. Provide all required documentation and secure your interest rate before closing.
Close & Get Your Keys
Complete the closing process with your lawyer/notary, sign all documents, transfer funds, and receive the keys to your new home. Congratulations!
First-Time Buyers
Buying Your First Home?
Purchasing your first home is one of life's most exciting milestones. It's also a significant financial decision that requires careful planning and the right guidance.
As a first-time buyer, you may qualify for special programs like the First-Time Home Buyer Incentive, RRSP Home Buyers' Plan, and reduced land transfer taxes in some provinces.
Smart Home Buying Tips
Expert advice to help you make the best decision
Know Your Budget
Don't just look at the purchase price. Factor in property taxes, insurance, utilities, maintenance, and potential strata fees.
Get Pre-Approved First
A pre-approval letter strengthens your offer and prevents disappointment from falling in love with homes outside your budget.
Think Long-Term
Consider how the home will meet your needs in 5-10 years. Room to grow, resale potential, and neighborhood development matter.
Don't Skip the Inspection
A professional inspection can reveal costly issues. The few hundred dollars spent could save you thousands in repairs.
Research the Neighborhood
Visit at different times of day. Check crime rates, school ratings, commute times, and future development plans.
Be Ready to Move Fast
In competitive markets, great homes sell quickly. Have your financing ready and be prepared to make decisions.
Ready to Find Your Dream Home?
Let's start your home search together. Get expert guidance from a realtor who knows the market inside and out.