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Buyer's Guide

Thinking of Buying?

Whether you’re taking the first step toward buying your first home, searching for an investment property, or looking to work with a new REALTOR® after buying or selling in the past, my goal is the same — to provide you with exceptional service and trusted guidance throughout the process. I am committed to clear communication, transparency, and professionalism every step of the way.

I believe in building strong relationships with my clients. By taking the time to truly understand your needs, goals, and preferences, I can better help you find the right property. I’m with you from start to finish and genuinely enjoy sharing in the excitement that comes with finding a place to call home.

I work to simplify the buying process, instill confidence, and ensure you feel informed and comfortable with every decision. I’m always happy to answer questions and show as many homes as needed so you can feel confident and excited about your final choice.

Things to Think About

What type of home best suits your need,  a detached home, duplex, condo, or mobile home?
Are you looking for a single-level layout, a two-storey home, or one with a basement?
Does the age of the home matter to you?
How many bedrooms and bathrooms are you looking for?
What features are important in your kitchen — is an open-concept layout a priority?
Do you require dedicated office or work-from-home space?
Is a garage important to you, and how much parking will you need?
Do you want to be close to schools, public transit, or the hospital?
How important is location overall?
Do you need a yard, and if so, does size or fencing matter to you?

Of all these considerations, which features are non-negotiable and which are flexible?

When You Find that Perfect Home

When you’re ready to submit an offer, I will guide you through each step of the process. Once an offer is made, some back-and-forth is normal as both parties work toward a mutually agreeable middle ground. Counteroffers are expected, and this stage can move quickly. I’ll be here to support and advise you throughout.

Remember, price isn’t the only negotiable factor. You can also negotiate conditions, timelines, the closing date, and which items will be included with the property.

Working Through Subject Removal

  • I will help you gather and provide all required documents to your mortgage specialist.

  • This includes:

  • Scheduling the home inspection

  • Reviewing the title

  • Reviewing the property disclosure statement

  • Obtaining quotes for home insurance

  • Reviewing any other relevant documents for the type of property you are purchasing (e.g., strata documents, site plans, etc.)

  • The timeline can vary depending on mortgage approval and inspection scheduling. Once you’re ready to remove subjects, the next step will be to have your deposit prepared. Typically, the deposit is due within 48 to 72 hours after subject removal and must be paid with guaranteed funds.

  • I will guide you through each step as it arises, ensuring you are informed and on track throughout the process.

The Days leading up to the Possession Day

Once the subjects have been removed, our office will send all necessary documents to your chosen lawyer or notary to handle the transfer and registration. Please ensure you’ve contacted them in advance so they can schedule time to manage your file. They will also be responsible for transferring your funds to the seller’s lawyer.

Property Transfer Tax

Unless you qualify for the First Time Home Buyers Program, you will be required to pay Property Transfer Tax (PTT) at the time of completion through your lawyer or notary.

Current rates are:

  • First $200,000: 1%

  • $200,001 to $2,000,000: 2%

  • $2,000,001 to $3,000,000: 3%

  • Over $3,000,000: 5%

Other Expenses

  • Home Inspection

  • Legal or Notary Fees

  • Utilities

  • Property Taxes

  • Strata Fees (if applicable)

  • GST (for new homes)

  • Home Insurance

Once Your Offer is Subject Free

  • Once your financing is confirmed and subjects have been removed, it’s important to avoid actions that could affect your mortgage approval:

  • Avoid taking on new debt: Don’t purchase a new car or run up your credit cards, as this can impact your approved financing.

  • Keep your employment stable: Do not quit or change jobs, as this could jeopardize your mortgage approval.

  • Pay your bills on time: Even small late payments, such as on your cell phone, can negatively affect your credit.

  • Avoid opening new credit cards or accounts.

  • Be cautious with large purchases: Buying furniture or using “no payment for X months” offers will still be reported on your credit.

  • Anything that changes your credit can put your approved mortgage at risk. When in doubt, consult your mortgage specialist before making financial changes.

  • If you have any questions about the buying process or need guidance on next steps, feel free to give me a call—I’m happy to help.

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