1. Decide it’s time to buy a home.


     2. Establish your affordable price range, desired location(s) and desired/required features.


     3. Choose a sales representative who you feel comfortable working with and who you feel is  there to provide YOU   with the best service possible. 


      4. Your sales representative will source out & inspect available homes, then show you suitable homes as they become available, therefore saving you from seeing a lot of houses that aren’t right for you and missing excellent properties which sell before they are advertised on public portals, or which do not have “Open Houses”.


      5. When you find a suitable home, you will prepare the offer with your REALTOR.   This key document must cover all details which are important to you.

Agreement of Purchase and Sale
Agreement of Purchase and Sale for Condo's 

You submit a deposit with the offer; typically this is a certified cheque or bank draft.


      6. Your sales representative will negotiate on your behalf with the sellers and their REALTOR.  There may be several stages to the negotiations.


      7. Once the deal is made, your agent will arrange for an inspection (if required), assist with financing and forward all documents to your lawyer.  Your agent will take care of any paperwork required to “firm” the deal.  (EG. Waivers of conditions, amendments, etc.)


      8. Your lawyer does all things necessary to prepare for the closing of the transaction.


      9. You prepare to move.


      10. You take possession on closing day.

           Your main expenses are:

  1. Purchase Price (less the deposit)
  2. Land transfer taxes payable to the Provincial & Municipal Governments
  3. Legal fees
  4. Moving costs
  5. HST for new or renovated housing.


    11. Your chosen Sales Representative will be available to you throughout the process, and will help you resolve any problems which may arise before or after closing.

Buying a House