First Time Home Buyers

amandajason@gmail.com +1 664 448 8845

Step 1

Financial Preparation

* Check your credit score (minimum 600–680 recommended).

* Save for down payment: 5% for homes under $500k; 10% for $500k –$999,999; 20% if over $1M.

* Prepare for closing costs (3–5% of purchase price: land transfer tax, legal fees, inspections).

* Get mortgage pre-approval to know your budget.

Step 2

Define Your Needs & Wants

* Choose preferred Toronto neighbourhoods.

* Decide property type: condo, townhouse, semi, detached.

* Prioritize features: size, bedrooms, parking, yard, etc.

Step 3

Hire Professionals

* Real Estate Agent (buyer representation is free).

* Mortgage Broker/Bank for financing.

* Lawyer for closing.

* Home Inspector for property review.

Step 4

Start the Home Search

* Tour homes with your agent.
* Compare prices with recent sales.
* Stay within your budget and pre-approval.

Step 5

Make an Offer

* Prepare Agreement of Purchase and Sale (APS).

* Include conditions (financing, inspection, status certificate).

* Negotiate price, closing date, inclusions.

Step 6

Secure Financing

* Provide lender with signed offer and documents.

* Receive final mortgage approval.

GET IN TOUCH

CONTACT US

Have a question or need assistance? Reach out to us and we'll get back to you as soon as possible.

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