Buying a home in Toronto and the GTA
Whether it's a first condo or a next family home, the process is the same: know what you can afford, understand the market, and don't let pressure make the decision for you.
Prepare
Search
Offer
Close
- Prepare · 01
Understanding your goals
We talk through what you need, where, and why: space, commute, schools, and how long you plan to stay.
What would make you regret this purchase in five years?
- Prepare · 02
Budget and financing
We work out a comfortable monthly cost including taxes, fees and closing costs. I'll suggest speaking with a mortgage professional early so your budget rests on a real pre-approval.
Is your pre-approval rate held, and for how long?
- Search · 03
Market research
Before touring, you'll see what recent sales look like in the areas you're considering: price ranges, how quickly homes sell, and what that means for timing.
- Search · 04
Property search
You get listings matched to your criteria, including new ones as they appear. Fewer, better-fitting homes beat long lists of maybes.
- Search · 05
Property evaluation
For each serious contender we review comparable sales, condition, likely repair costs and, for condos, the status certificate and reserve fund. I'll tell you what I see, good and bad.
What would this home cost to own and maintain each month?
- Offer · 06
Offer strategy
We decide on price, deposit, conditions and closing date for this home and this level of competition, including how to handle an offer date or multiple offers.
- Offer · 07
Negotiation
I negotiate on your behalf within limits we've agreed on together. Terms and timelines can matter as much as the price.
- Close · 08
Closing coordination
I work with your lawyer, lender, inspector and the other agent to keep conditions, deadlines and paperwork on track, and stay in touch after you move in.
Ready to start looking?
Tell me what you're looking for and your timeline. I'll send a first shortlist and a sense of what your budget buys in each area.