Buying Your Home


Buying Guides for Real Estate in Canada

We offer many services to make your buying process easier, faster, and less expensive. We can assist you with everything from locating a home, to supplying you with market analysis, to making and closing an offer.

One of our local Real Estate Agents would be happy to meet with you to help you find a property. Please refer to one of our local offices for further assistance.

Buying Guides


6 Mistakes to Avoid When Trading Up to a Larger Home

Unlike the experience of buying a first home, when you’re looking to move-up, and already own a home, there are certain factors that can complicate the situation. It’s very important for you to consider these issues before you list your home for sale.

Not only is there the issue of financing to consider, but you also have to sell your present home at exactly the right time in order to avoid either the financial burden of owning two homes or, just as bad, the dilemma of having no place to live during the gap between closings.

Six Mistakes

In this report, we outline the six most common mistakes homeowners make when moving to a larger home. Knowledge of these six mistakes, and the strategies to overcome them, will help you make informed choices before you put your existing home on the market.

Mistake 1: Rose-colored glasses
Mistake 2: Failing to make necessary improvements
Mistake 3: Not selling first
Mistake 4: Failing to get a pre-approved mortgage
Mistake 5: Getting caught in the Real Estate Catch 22
Mistake 6: Failing to coordinate closings

7 Things You Must Know About Mortgages Before You Buy

Mortgage regulations have changed significantly over the last few years, making your options wider than ever. Subtle changes in the way you approach mortgage shopping, and even small differences in the way you structure your mortgage, can cost or save you literally thousands of dollars and years of expense.

1. Get the Right Information
2. You can, and should, get pre-approved for a mortgage before you go looking for a home
3. Know what monthly dollar amount you feel comfortable committing to
4. You should be thinking about your long-term goals, and expected situation, to determine the type of mortgage that will best suit your needs
5. Make sure you understand what prepayment privileges and payment frequency options are available to you
6. Ask if your mortgage is both portable and/or assumable
7. You should seriously consider dealing with a Mortgage Expert

8 Simple Secrets to Avoid Costly Mistakes Buying Your Dream Home

So you’ve finally decided to buy your next home. Problem is while you were making up your mind, other fence sitters jumped into the home market too. Now you may be facing some competition for the best properties. What to do? Just because there are other buyers in the market doesn’t mean you can’t come away with your dream house. But to be a successful buyer in today’s real estate market you’re going to need help.

Your first best move is to know a few inside tricks. As experienced real estate professionals we have many more than eight ways to increase your chances of landing a prize property despite heavy competition. The following tested tips will increase your market savvy and sharpen your competitive position. Then you’ll be ready to act quickly the minute you see that perfect house.

Step 1: Get Pre-Approved
Step 2: Beat the Competition to the Newest Listings
Step 3: Do Your Research
Step 4: Have your Agent Present the Offer in Person
Step 5: Prove you Mean Business
Step 6: Stay Cool
Step 7: Keep It Simple And Clean
Step 8: Don’t be a Lone Wolf

9 Buyer Traps and How to Avoid Them

No matter which way you look at it buying a home is a major investment. For many homebuyers however, it can be an even more expensive process than it needs to be because many fall prey to at least a few of the many common and costly mistakes which trap them into either:

  • paying too much for the home they want, or
  • losing their dream home to another buyer, or
  • (worse) buying the wrong home for their needs.

A systemized approach to the home buying process can help you steer clear of these common traps, allowing you to not only cut costs, but also secure the home that’s best for you.

This important report discusses the nine most common and costly of these homebuyer traps, how to identify them, and what you can do to avoid them.

Trap 1: Bidding Blind
Trap 2: Buying the Wrong Home
Trap 3: Unclear Title
Trap 4: Inaccurate Survey
Trap 5: Undisclosed Fix-ups
Trap 6: Not Getting Mortgage Pre-approval
Trap 7: Contract Misses
Trap 8: Hidden Costs
Trap 9: Rushing the Closing

How Much Should I Expect to Pay on Closing Costs?

Whether you’re looking to buy your first home, or trading up to a larger one, there are many costs – on top of the purchase price – that you must figure into your calculation of affordability. These extra fees, such as taxes and other additional costs, could surprise you with an unwanted financial nightmare on closing day if you’re not informed and prepared.

Some of these costs are one-time fixed payments, while others represent an ongoing monthly or yearly commitment. Not all of these costs will apply in every situation, however it’s better to know about them ahead of time so you can budget properly.

Remember that buying a home is a major milestone. Whether it’s your first, second or tenth home, there are many important details to address during the process. The last thing you need is unbudgeted financial obligations cropping up hours before you take possession of your new home.

Read through the following checklist to make sure you’re budgeting properly for your next move.

1. Appraisal Fee
2. Property Taxes
3. Survey Fee
4. Property Insurance
5. Service Charges
6: Legal Fees
7. Mortgage Loan Insurance Fee
8. Mortgage Brokers Fee
9. Moving Costs
10. Maintenance Fees
11. Water Quality and Quality Certification
12. Local Improvements
13. Land Transfer Tax

Stop Paying Rent – A guide to becoming a homeowner rather than a home-renter

From basement suites to full houses, renting is a huge business in this country. If you currently rent, you know that paying out those hundreds of dollars every month to line the pockets of your landlord is not a pleasant task. However, like most renters you probably feel stuck in a home that isn’t even yours simply because you can’t save up that down payment for your own home.

This report contains details on how you can stop paying rent and start contributing to your own financial future, rather than that of your landlord. By knowing some valuable information about the real estate industry, as well as some tips and tricks about property ownership, you’ll be able to start on the road from renting to owning. This report will tell you how you can:

  • Save for a down payment for your property
  • Make best use of your financial institution, and other loan sources
  • Consider reversing the rental roles

7 Little-known Facts That Can Help You Purchase Your First Home

Purchasing your first home can be challenging. Your monthly cash flow may easily cover the proposed mortgage costs, but perhaps accumulating the down payment is what you find difficult. Or maybe you have financial reserves, but cash flow is what’s holding you back. Whatever the reasons, purchasing a new property can still be accomplished, regardless of your financial standing. Consider the following facts:

1. The down payment on your property doesn’t have to be as large as you think
2. Your lender may help you with your down payment and closing costs
3. The seller may assist you in purchasing your home
4. You may be able to borrow without going into debt
5. While purchasing, consider becoming a landlord yourself
6. You may be able to secure a loan even with a lower credit rating
7. Secure a mortgage before you begin your searching

Where to go from here?

This report is designed to illustrate that you have options other than paying large monthly payments to your landlord. It is clear that with a little creativity and help from a real estate professional, you can make the break from renting to owning.

Make sure to consider your options – this report is not designed to make you feel obligated to purchase a home. If you’re interested in more information, please contact your real estate agent.


Saving Money – A guide to saving thousands of dollars when buying a home

Buying a home is one of the most expensive purchases you’ll ever make, and by following some simple guidelines you can stand to save thousands of dollars. If you’re like most people shopping for a home you’re probably trying to match a home that fits your needs perfectly, with the lowest possible price.

When looking for a home yourself, it’s important to know how previous successful homebuyers have purchased their homes for thousands of dollars below a seller’s asking price. Skills like negotiation are handy, but the fundamentals are often overlooked. This report will cover the following:

  • Steps for saving thousands when you buy a home
  • How sellers price their homes

Here are some simple steps that will save your thousands when you purchase a home.

Going into the home-buying process with some basic knowledge in the area can make all the difference. The following are some simple, but often overlooked, points that every homebuyer should take into account.

Step 1: Be sure about what you want
Step 2: Shopping with powerful help
Step 3: Understand how sellers set their asking price