Buying

 I’m here to help you buy your dream home with confidence. With years of experience in the GTA Market, I provide expert guidance, personalized strategies, and unmatched negotiation skills. I’ll help you find the perfect home, stress-free!

let’s find your dream home

My Current Listings

Looking for your next home or investment property? You can explore my current listings on REALTOR.ca, where you’ll find detailed property information, photos, and everything you need to make an informed decision.

Check out my REALTOR.ca page

If you see something you love, or need help finding the perfect property, feel free to reach out. I’m here to guide you every step of the way!

PURCHASE WITH CONFIDENCE

Expert Buying Advice

With years of experience in the GTA real estate market, I provide expert guidance to help buyers make informed decisions. As a seasoned real estate agent and Broker of Record, I offer premium client care services, ensuring a smooth and stress-free home-buying experience.

Finding the right fit

Choosing the right home is about more than just price. It’s about finding a property that fits your lifestyle, needs, and future goals.

  • Location Matters – Consider proximity to work, schools, amenities, and transit.
  • Think Long-Term – Choose a home that will meet your needs for years to come.
  • Set Priorities – Decide on must-haves vs. nice-to-haves to stay within budget.
Mortgage pre approval

It is recommended to get a mortgage pre-approval. This is more involved than a pre-qualification, but it also gives you a very accurate estimate as to how much you qualify for – as long as your financial picture doesn’t change.

A mortgage pre-approval can give you confidence and a competitive edge.

Purchasing a home is associated with extra expenses, such as:

  • A high-ratio mortgage insurance premium
  • Reimbursement to the seller for the unused portion of any prepaid property taxes or utility bills (adjustments upon closing)
  • Land transfer taxes
  • Legal fees
How much do you need for a down payment?

You’ll need to set aside between 3 to 5% of the purchase price to cover your closing costs. The new guidelines for down payments are as follows:

  • 5% ($25,000) on the first $500,000
  • 10% on any amount from $500,000 to $1.5 million
  • 20% from $1.5 million and up

The amount you need depends on the lifestyle you want to enjoy and the type of house you want. If you’re still in the deciding stages, a pre-qualification is necessary to start the process. You can do a quick assessment by answering a few questions online and get a rough idea on how much you may be able to borrow.

You’ve found your dream home! What’s next?

When you find a property that you would like to buy, your offer will include, the price you are willing to pay, expiration of the offer, a closing date for the purchase of the home, and conditions for the purchase. Some commonly included conditions are:

  • Financing – if recommended by your mortgage provider
  • Home inspection by a qualified engineer
  • Inclusion and exclusion of any appliances and other items – basically, what stays and what goes.

A copy of the deposit is given along with an offer as a show of good faith to the seller.

Land Transfer Tax Calculator

Curious about how much you should budget for land transfer tax? Add your totals into this calculator to get a better idea.

Toronto Tax

  • First-time homebuyers may qualify for rebates on both taxes.
  • Rates range from 0.5% to 2.5% (or higher for luxury properties over $2M).
  • The tax is calculated in tiers, meaning different portions of the price are taxed at different rates.
  • Toronto MLTT is an additional tax for properties within the City of Toronto.