Buying
Find the homethat fits your life.
From the first viewing to the final signature, we’ll guide you with clear advice and no pressure.
HomeBuying
Every buyer startssomewhere different.
Whatever stage of life you’re in, the goal is the same: a home that fits, at a price that makes sense, with no surprises along the way.
First-time buyers
Every term, cost and step explained, so nothing about your first purchase feels like a surprise.
“No question is too small.”Lauren
Growing families
Schools, space, commute and community, weighed together to find a home you won’t outgrow too soon.
Downsizers & next chapters
A thoughtful move toward less upkeep, without giving up the things and places you love.
“Let’s grab a coffee and talk it through.”Donna
Young professionals
Condos and townhomes close to transit, patios and the GO train, with an eye on long-term value.
Looking to rent first? We help tenants, too.
Ask About LeasingThe Process
The buying process,step by step.
You’ll always know where we are, what comes next and why.
Start With a ConversationConversation
We start with a conversation
Your goals, timing, must-haves and budget. We map out what matters most before you see a single home.
Pre-Approval
Know your numbers
We’ll connect you with trusted mortgage professionals so you know your price range, and your options, before you shop.
Neighbourhoods
Find the right fit
We compare communities by lifestyle, schools, commute and value, so your search starts in the right places.
Touring
Tour with honest notes
Curated showings and candid feedback on each home’s strengths, trade-offs and long-term value.
The Offer
Make a confident offer
Recent comparable sales and a clear strategy behind every offer, with every condition explained.
Closing
Closing, coordinated
Inspections, deposits, lawyers and closing day, organized and explained, so the last step feels as calm as the first.
Every Stage of Life
Where should youstart looking?
Pick the chapter you’re in and we’ll point you to a few good places to begin.
A starting point, not a rulebook. Let’s talk about what matters to you.
Buyer Q&A
Your buying questions,answered.
Buying comes with a lot of new terms. Here are the questions we hear most, in plain language. If yours isn’t here, just ask.
Ask Us a QuestionYes. A pre-approval tells you what you can comfortably spend, holds a rate for a period of time and shows sellers you’re a serious buyer. We’re happy to connect you with trusted mortgage professionals.
In Canada the minimum is 5% of the first $500,000 and 10% of the portion above that, up to $1.5 million. Homes over $1.5 million need at least 20% down. With less than 20% down you’ll need mortgage default insurance, which your lender adds to the mortgage. Your mortgage professional will confirm the exact figures.
Beyond the down payment, plan for land transfer tax, legal fees, title insurance, a home inspection and adjustments for things like prepaid property taxes. Buying in Toronto adds a municipal land transfer tax, and first-time buyers may qualify for a refund. We’ll walk you through an estimate before you start.
In many cases the seller’s brokerage shares its commission with the buyer’s brokerage, but it depends on the property. Before we start, we’ll sign a buyer representation agreement that sets out exactly how we’re paid, so there are no surprises.
Common conditions include financing, a home inspection, a lawyer’s review of a condo status certificate and sometimes the sale of your current home. Each protects you in a different way, and we’ll explain the trade-offs in a competitive market.
The deposit is part of the negotiation and is usually due shortly after your offer is accepted. It’s held in trust and goes toward your purchase price on closing.
Both can work. Buying first gives you certainty about where you’re going; selling first gives you certainty about your budget. We’ll look at your finances and the market together and choose the safer path for you.
Every search is different. Once an offer is accepted, closing dates are often 30 to 90 days out, and they can be negotiated to suit you.
Run thenumbers.
A quick estimate of your mortgage payment. Adjust the price, down payment and rate to see how the picture changes.
Monthly Payment
$0
estimated, before taxes and insurance
Down payment$0
Mortgage amount$0
Estimate only, using semi-annual compounding (standard for Canadian fixed-rate mortgages). Down payments under 20% need mortgage default insurance, which isn’t included here. A mortgage professional can confirm exact figures.
Open the Full CalculatorAFFORDABILITY CALCULATOR
Quite affordable.