01
Getting Pre-Approved
Before you fall in love with a home, know what you can afford. A mortgage pre-approval isn't just a formality — it's your foundation. It tells you your price ceiling, locks in your rate for 90–120 days, and shows sellers you're serious.
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- Gather 2 years of tax returns and recent pay stubs
- Check your credit score — aim for 680 or above
- Get pre-approved before you start touring homes
- Understand the difference between pre-qualification and pre-approval
02
What to Look for in Toronto Neighbourhoods
Toronto is a city of distinct neighbourhoods — and the right one depends entirely on your lifestyle, your commute, and your long-term plans. We've been working in this city for decades, and we know the nuances that don't show up on a map.
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- Consider commute, schools, and walkability together — not separately
- Look at 5-year price trends, not just current listings
- Visit at different times of day before committing
- Ask us — we know which streets are better than others within the same neighbourhood
03
Making an Offer & Negotiating
This is where strategy matters most. In Toronto's market, knowing when to move fast and when to hold firm is the difference between winning and losing a home — or overpaying by tens of thousands of dollars.
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- Understand offer presentation nights and bidding wars
- Know which conditions protect you and which kill your offer
- Don't fall into the escalation clause trap without strategy
- Let us handle the emotion — that's what we're here for
04
Home Inspection & Conditions
A home inspection is your last line of defence before you're legally committed. In a competitive market, buyers are sometimes pressured to waive conditions — here's what you need to know before you make that call.
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- Always hire a certified home inspector — don't use the seller's referral
- A pre-offer inspection can let you bid firm without the risk
- Know the difference between a financing condition and a status certificate review
- We'll walk you through every line of the inspection report
05
Closing Day: What to Expect
You've signed. You've waited. Now closing day is here. Here's exactly what happens — and what you need to have ready so nothing goes sideways at the last minute.
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- Your lawyer receives the funds and registers the title — you don't need to be there
- Have certified funds ready for your down payment and closing costs
- Budget for land transfer tax, legal fees, and title insurance
- Keys are typically released once title is transferred — usually mid-afternoon
Ready to Start Looking?
We'd love to help you find the right home. Reach out and let's have a conversation.
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