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Whether you're relocating for the first time, searching for the perfect home for the growing family, or searching for the ideal place to retire – buying a home in Ontario requires a personalized approach and strategy. During our years of experience, we have managed to develop the perfect strategy to make your process a pleasant, meaningful and organized experience.
Our first step, for all our processes, is to get to know each other. Considering the options together and discussing what vision you have in mind will set us in the right direction and bring us closer to your dream home.
Based on your needs, we will show you the properties that best suit you. We have the ability to bring you a home that matches your lifestyle, respecting your budget and non-negotiable.
As we move through the process, we will use our 20 years of experience to survey the options on the market and identify areas of opportunity. We have the ability to see the potential in homes and share our vision with you.
Once we find the perfect home for you and your family, we will stay by your side, to find the best offer and close with the best possible terms.
It can take anywhere from 30 to 60 days from the time you start figuring out how to buy a home. It all depends on how organized your credentials are.
Your most important credentials (not the only ones) for the purchase of your house are the following. The availability of these documents also depends on how soon you can meet your goals.
Tax return for the last two years.
Statement of accounts where you have saved your initial fee.
Employment letter.
2 recent pay stubs
Credit record. EQUIFAX.CA
SIN (social insurance number)
Confirmation of status in Canada.
You can choose how much you want to contribute to your initial fee: 5, 10, 15, 20, or 25%. Just keep in mind that if you contribute less than 20%, you would have to pay for additional insurance called CMHC.
LTT or Land Transfer Tax, is a tax that you must pay on your initial fee for the transfer of the name of the property of the land. It is added to your closing costs.
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