We will guide you throughout the entire buying process. We understand the importance of finding the right home and will make sure that your search is not only efficient and effective but fun too!

The Initial Consultation

  • We will sit down and review what you need and want
    in a home.
  • This is the opportunity to start to focus the search – What neighbourhoods do you like? What style of home? What is your timeline for moving in?
  • Pre-Approval – this is the time to start talking to a Mortgage Specialist to know where you stand.
  • The Home-Buying Process – we will introduce the process if you’re a first time buyer and review it for the seasoned purchaser.
  • The Buyer Representation Agreement – it is crucial for you to be represented properly in your purchase.

The Matrix Portal (MLS)

  • Once we have established your search criteria, we will include you in our list of preferred clients.
  • You will receive emails of new listings which match your criteria as they come onto the market. This is a real time system and gives you an advantage over other buyers who are not working with a Realtor.

Viewing Properties

  • If something comes your way by email and you want to see it, let us know and we’ll get you in for a viewing as soon as we can.
  • If we see something that we think you should see, we’ll let you know. It’s our goal to make the process as easy as possible for you. Some clients want to be very involved in organizing the showings, some clients prefer us to take the lead. Whatever your style, we can meet your needs!
  • We will arrange the showing and accompany you.
  • We will point out the pros and cons of the property and always look out for your best interests.
  • We don’t ever try to “sell” you a house, a home will sell itself.

We Found the One…Now What?!

  • We will prepare a full market analysis of the property. We will advise you based on our experience and strong market knowledge.
  • We will analyze the selling circumstances and tell you everything we know about the property.
  • Attention to detail is key when writing the Agreement of Purchase and Sale. We will ensure that all of the documents are prepared impeccably and we will review them in detail with you.
  • The current market can be fast-paced and competitive. We are confident in the multiple offer process and you can rest assured knowing that you are well represented if we end up in that situation.

Offer Negotiations

  • We will present your offer to the seller’s Realtor on your behalf. Based on our years of experience working in diverse market conditions, we’ll suggest a strategy that works.
  • We negotiate on your behalf and in your best interest, always putting your needs first.
  • We approach negotiations in an honest and informed way, recognizing that the sellers and their Realtor want a positive outcome as well.

Sealing the Deal

  • It’s our job to facilitate a satisfactory inspection – help you find and book a qualified home inspector, answer questions and help to clarify what you hear.
  • We will deliver copies of your Agreement to your lawyer and financial advisor.
  • Need to obtain estimates on repairs or renovations? We have trusted trades people who to recommend

Up to and Including Closing

  • If you have a final walk-through arranged we will arrange that as well as answer any questions or concerns that come up before closing.
  • Organize your finances, arrange for home insurance, speak with your lawyer to schedule an appointment and arrange for a mover. We won’t be with you at closing but we will ensure everyone has everything they need.
  • Don’t forget to notify the post office, telephone and utility companies.

After Closing

  • Stay in touch! We have met many special people along the way and always strive to maintain long-term relationships and help whenever needed.

Buyer FAQ
Your Questions Answered!

Why should I use an agent to find a property?

There are many thing you can do on your own with the help of the Internet, but buying a home is not one of them. Property is one of, if not the biggest investment you’ll ever make, so why would you do it without the help of an expert? The process can be complicated: from viewing, assessing, negotiating to the steps involved at each point (inspection, financing, paperwork, closing details). Buying with the help of an agent does not cost anything. The seller typically pays commission, and a good agent will guide your through the process and educate you along the way.

How much money will I need for the buying process?

In addition to your downpayment, which will be payable on closing day, there are just a couple of items to budget for throughout the process, including a home inspection. We can provide the current cost of that when it’s time to book. You will also need to budget 1.5% to 2% of your purchase price for closing costs. That includes the lawyer’s fee and associated costs as well as the Land Transfer Tax. There maybe a first-time buyer program to cover some of that, and your lawyer can fill you in on that. Moving costs should also be considered.

How long will it take me to find a home?

This is impossible to answer for sure, but in our experience, you will always eventually find the place for you. For some buyers, it takes just a couple of viewings and very little time. For others, it takes many viewing over a long period of time. It’s always important to educate yourself as much as possible so that when you do walk into the right place, you are ready to proceed with an offer. There are many things to consider and knowledge to gather, and we always provide the guidance to help you get there.

How quickly do I need to make a decision?

This depends on the property specifically and the market in general. A well-priced, well maintained, updated property will always be in demand – in any kind of market. Obviously, in a seller’s market where inventory is limited, quick decision-making is essential. We will always guide you on the decision-making timeline.

What are some of the preliminary steps I should take to make the buying process easier?

First and foremost, get your mortgage pre-approval done and figure out all your financing so you have a clear grasp of your comfortable price range. If you do not have a mortgage person, we can always provide recommendations. Meeting with us in your next step, so you understand the market, the process and we can get to know you and your criteria. Monitoring MLS is a great way to educate yourself, as is exploring neighbourhoods you maybe considering. The key, though, is to gather your thoughts on what exactly you want and what you need in a home and a neighbourhood.

How do I get to know the different neighbourhoods?

We like to sit down and discuss neighbourhoods. We know them well! Understanding the kind of home and price range you can get in different areas is important to your search. Once we meet, we always suggest walking and driving through neighbourhoods. Weekends are great because people are generally out. If schools are important, visiting them can also be helpful.

How do I gather information on schools?

There are many online resources for researching schools and our team has had first-hand experiences at many as well. The best way, though, is to visit the school to meet staff. Parent councils are also a great way to get a feel for a school. Every child has different needs and although our schools are generally really good in Ottawa, it’s important to find the right fit and there are many choices to make!

Why do I need a mortgage pre-approval?

The mortgage pre-approval is important for two reasons: First, you know exactly what you are comfortable spending; and second, when it comes time to place an offer, your lender will only need time to appraise the property, not first have to approve you, which can take longer.

How far in advance of my search should I contact a mortgage professional?

We recommend contacting a mortgage professional as soon as you are ready to begin your search. In fact, it’s a good first step. This way, you can be sure of your rate and lock that in for a period of time while you search!

What do I need if I’m paying cash for a purchase?

You maybe asked for proof of finances when purchasing with cash, so be sure to have that available.

What happens if I change my mind after making an offer?

As a real estate professional, we do everything to help you avoid ever encountering this feeling! We want the process to feel good, not scary. If you have conditions in your offer, your purchase is not firm until you meet or waive those conditions. In this time period, you can get your deposit back. Once your sale is firm, you would be in breach of your contract to walk away and a conversation with a lawyer would be the next step., We hope it never comes to that!

What conditions do I need in an offer? How long are they?

The most common conditions found in an offer are financing and home inspection. Other possible conditions could include obtaining home insurance, review of the agreement by your lawyer, the sale of your current home. If you are purchasing a condo you will want it conditional on your lawyer reviewing the status certificate …every situation is going to be unique and your realtor can help guide you appropriately. The typical conditional period is usually 5-10 business days.

Do I need a home inspection?

We always recommend getting a home inspection so you have the information you need to make an informed decision.

What can I expect from a home inspection?

An inspector will examine all the major systems of the house; including the exterior, structure of the building, roof/attic, electrical and plumbing, heating/cooling, interior, insulation, windows etc. and typically takes 2-3 hours. The home inspector will provide you with a comprehensive report, including pictures, outlining all the details of the major systems of the home and any defects found. A home inspection typically costs between $500-$600 +tax.

What types of things are normal to arise on home inspection?

It is normal for general maintenance issues to arise during a home inspection. Things such as wear and tear, condition of windows, doors, floors, ceilings. Some of the most common things to come up are the condition and age of roof, Inadequate insulation and ventilation in attic, wiring, heating/cooling system defects, plumbing issues, poor drainage around the structure. Your inspector will take the time to explain these issues to you and how to fix them.

What happens once my purchase is “firm”?

Congratulations, your purchase is firm! Once your purchase is “firm”, it means all your conditions have been waived and you are now legally obligated to follow through with the purchase come closing day.

When do I need to engage a lawyer?

Typically once you have a firm agreement of purchase and sale in place it is time to retain a lawyer. Of course, there are always exceptions and if your sale is conditional on a review of the Agreement of Purchase and Sale by a solicitor or the review of a status certificate you will require their services at that time.

What do I need to do before closing?

Time to pack, t’s almost moving day! Remember to contact the utilities ahead of time – hydro, gas/oil, hot water tank rental to – notify them of your closing date. Also contact your insurer, of course. You will be required to provide proof of property insurance in order to close. Cable/Internet/phone provider, alarm company are other companies you will want to contact. Finally, it’s best to ensure Canada Post forwards your mail to your new address in case you accidentally forget to notify anyone (banks, Amazon, friends, etc.). Some people change the locks upon moving in, so something to consider.

What happens on closing day?

You will meet with your lawyer to sign all the appropriate documents and they will advise on the exact funds to bring in at that time (down payment and fees). Closing is often done electronically and it’s common that your lawyer will only get the keys to your new home at the end of the day. Once you have the keys, we recommend visiting the property right away to check that appliances are working and everything is as it should be. In the event anything is not right, it’s important to advise your lawyer right away. Next steps are to move in and get settled in your new home!

What is multiple representation?

Multiple representation, put simply, is when the real estate brokerage that is representing you in a transaction is also representing another party in the same transaction. For example, two different individuals competing to buy the same home, or representing the buyer and the seller on the same home.

What is the difference between being a client vs customer?

If you are a client, the brokerage has a fiduciary duty towards you as its client; they are obligated to promote and protect your best interests in a real estate transaction. If you are a customer, the brokerage does not have that obligation, although they are still required to treat you with fairness, honesty and integrity. You will be given a choice to sign one of two types of legally binding agreements – a Buyer Representation Agreement (client) or a Customer Service Agreement (customer).

What happens when you are in competition?

You’ve found the perfect home and want to place an offer but find out there is already another offer – what now? In Ontario, realtors are obligated to disclose how many offers there are on a property, however they are not to disclose any of the details or terms and conditions of those offers. Each situation will be unique and you will decide along with the guidance of your realtor if you want to participate in a competing offer situation. There will be certain details to consider for your offer, as with any offer; including offer price and any conditions you will include and the risks and benefits associated with them.

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