Buying Guide
Your roadmap to home ownership
Navigate the market with confidence.
Buying a home is one of life's biggest milestones. Our guide breaks down the complex process into simple, actionable steps tailored for the Canadian market.
The 5 Steps to Ownership
1. Budget & Pre-Approval
Determine your purchasing power. Getting pre-approved helps you move fast when you find the right home.
2. The Search
We help you define your needs vs. wants. Use our AI tools to find hidden gems in your preferred neighborhoods.
3. Making an Offer
We analyze market data to craft a winning strategy. We'll handle negotiations on price and conditions.
4. Closing the Deal
Work with lawyers to finalize the transaction. We assist with inspections and document review.
5. Move In
Get your keys and celebrate! We can even recommend trusted movers and contractors.
Land Transfer Tax?
In Ontario, you pay provincial land transfer tax when you buy a home. Toronto has an additional municipal tax. First-time buyers may be eligible for rebates.
Deposit vs Down Payment
A deposit is paid when your offer is accepted (usually 5%). The down payment is the total cash you put upfront (min 5-20%) paid at closing.
Still have questions?