Here’s how we will work for you to ensure that purchasing your new home will be a positive and stress free experience.
If you currently own a home you will need to know its current market value. This is normally quite different from a Tax Assessment Value. We will, free of charge and without obligation, produce for you a written report on the approximate amount you can expect to sell your home for. Such report will be based on a Comparative and Competitive Market Analysis and is based in part on current properties for sale, and more importantly the price achieved and time on market of similar properties over the past six months to one year.
Prior to starting your search, if you plan to borrow money to purchase a property, it is advisable to consult your lender, bank or mortgage broker. They can ascertain approximately how much you will be able to borrow based on your current financial position. This, combined with the amount you have available for a down payment, will give you an idea of how much you can make available for a purchase.
Research the overall affordability of the property you are considering. The “28/36” rule is a good guideline. It states that your monthly housing expense should not exceed 28% of your gross income and your total debt load should not exceed 36% of your total gross monthly income;
First time home buyers, at time of writing, pay either no or a reduced amount of Land Transfer Tax in Ontario. Land Transfer Tax may be changed at any time so it is advisable to check rates and regulations to be sure of the rules.
Fill out the form below, and I’ll let you know when a home matching your criteria is available.
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