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Investing in your future.

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Owning a home isn't just about having a place to live; it's like building your own financial nest egg. Every mortgage payment you make is like putting money into your own investment, not someone else's pocket. 

Below are the main milestones and steps involved with purchasing a home.



    • Begin by assessing your financial situation, taking into account your income, expenses, and credit history.

    • Save for a down payment, which is a percentage of the home's purchase price. In Canada, the minimum down payment is typically 5% for the first $500,000 and 10% for any amount over $500,000.

    • Speak with your mortgage broker early and often to create a plan. 

    • Finally, get pre-approved for a mortgage. This involves a preliminary assessment of your financial health and determines the maximum loan amount you can qualify for.
  1. Start Home Search:

    • Start looking for homes within your budget. Consider factors such as location, size, and amenities that suit your family's needs.

    • Ask us for a recommendation from a qualified professional realtor or home builder.

  2. Submit Mortgage Application:

    • Once you find a suitable property, work with your real estate agent to make an offer. The offer will include the proposed purchase price, conditions, and other terms.

    • Submit your application to the lender of your choice

  3. Home Inspection and Due Diligence:

    • After the offer is accepted, conduct a home inspection to identify any potential issues. This step ensures that you're aware of the property's condition before finalizing the purchase.

  4. Finalize Financing:

    • Confirm your mortgage details, interest rates, and terms with your mortgage broker. Provide any necessary documentation to the lender.

  5. Meet with your Lawyer:

    • The closing process involves finalizing the paperwork, transferring ownership, and completing the financial transactions. This is when you'll pay the remaining down payment balance, and legal ownership of the property is transferred to you.

    • Ask us for a recommendation from one of our preferred lawyers.

  6. Take Possession:

    • Congratulations! Once the deal is closed, you can officially move into your new home. Don't forget to update your address with relevant authorities and services.

We will be there throughout this process, navigating the financial aspects of the entire home purchase and guiding you through the intricacies of real estate transactions and will be thrilled once you receive the keys to your new home.

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