Home Buyers Guide

Welcome to our home buyers guide.

Congratulations on taking the first step towards home ownership. The journey to discovering and buying your home should be an enjoyable one.  Browse through the following sections of our home buyers guide to learn more about buying your home and how to make it a positive experience.

Home Buyers Guide

What can you afford?

Learn the basics of home buyer math, mortgages and affordability. How much should you budget for your home purchase? How much downpayment should you have?

Understanding Financing

Learn about how financing works when buying a home. We’ll introduce you to the types of mortgages, loan insurance and the RRSP home buyers program.

First Time Home Buyers Government Programs

Learn about government programs to assist home buyers including the first time home buyers’ plan, land transfer tax refunds and the home buyers’ tax credit.

Home Operating Costs

Owning a home is great, but how much does it really cost?  Learn about how much you should budget to own and operate your own home.

Additional Costs of Buying

Don’t be surprised by additional costs you weren’t expecting.  Here are additional costs of buying a home that you should be prepared for.

The Condominium Alternative

A freehold home is not for everyone.  Read this to learn more about living in a condo and whether or not it is the right choice for you.

Making an Offer

Once you’ve found a home you want, it’s time to put together an offer.  Let’s talk about the process of making an offer and what to do next.

Elements of the Offer

We’ll go into detail about the various elements of an agreement of purchase and sale so you know what to expect when putting together an offer for your home.

Completing the Home Purchase

The sellers have accepted your offer — congratulations!  Now let’s talk about the next steps to complete your purchase.

Frequently Asked Questions

Here are some frequently asked questions about the home buying process.

From now until closing

Now that you’ve become a future home owner, it’s time to learn what the next steps are between the moment your offer is accepted to the day you officially take possession of your home.

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