buying

SEARCH - NEGOTIATE - DOCUMENT

Experience
14 Yrs+
Satisfied Clients
100 %
Property History
150 K
Available Properties
14500 +

Negotiator

We focus on multiple outlets to get your property to potential buyers. We use both traditional and contemporary methodologies.

TOP DEALS

Location

We will get more eyes on your listing and will promote your home on Canada’s #1 selling real estate websites. This is a great approach.

TOP AREAS

Purchase Price

Negotiations and price setting to get more dollars on average compared to other professionals, brokerages and realtors.

TOP VALUE
TOP

NEGOTIATOR

We focus on multiple outlets to get your property to potential buyers. We use both traditional and contemporary methodologies

TOP

VALUE

We will get more eyes on your listing and will promote your home on Canada’s #1 selling real estate websites. This is a great approach

TOP

PRICE

Negotiations and price setting to get more dollars on average compared to other professionals, brokerages and realtors

PRICE DROP ALERT

tips and terminologies

Real estate investment helps to build equity and wealth. A good parameter to note when starting this journey is to first consider affordability. Buyers need to know what they can afford, and this may be based on the location, and size of the property. The property price is not the same for a detached home compared to a townhouse. Here are some helpful information below. 

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FREE DAILY PROPERTY ALERT

BUYING PROTOCOL

Buying a home is a very important decision for most people, especially for first-time buyers. Often, most people find it daunting and challenging at the onset, but we are here to help through all the basics and hopefully ease your stress if anything feels complicated at any point.

If you can’t afford to pay for the property in full, then you will need a mortgage or a loan from a financial institution, private lender, a friend or family. The lender will most likely want to check your credit history, income, employment, and a few other documentations to know if its a good decision to loan the buyer the funds or not. Regardless the buyer will still be required to pay a deposit of minimum 5% of the purchase price, plus closing cost towards the purchase. It’s prudent to avoid other large purchases at the same period when buying a property. Real estate agents know a lot about properties and the market, and can use that knowledge to negotiate effectively on your behalf. Below are a few steps buyers should take seriously.

HAVE A BUDGET

Getting the right information on property prices and mode of payment is very crucial. The Buyer’s needs, lifestyle, and income are some of the key considerations in deciding on a budget for a suitable real estate purchase. The budget must be reasonable, plus other costs. Also remember the cost of maintenance when you take possession.

KEEP A GOOD CREDIT

Reducing your debts or paying them off is a good idea. Nothing wrong with having a few debts, as long as they are minimal in relation to your income and credit history. Equifax and Transunion keep records of your financial credit history. This is often used to make a judgement on your credit worthiness. The higher your score, the better.

KNOW WHAT YOU WANT

Most people know what can work for them relative to their present and future needs. There are different types of properties, sizes, neighborhoods, amenities and a few other helpful characteristics to consider on what property type is best for the buyer. Often, the Realtor can be helpful in understanding the options.

GET PRE-APPROVED

Mortgage Approvals and Pre-Approvals can be done through a Mortgage Broker, Bank and a few other Financial Institutions or Private Lenders. A minimum 680 credit score is part of what will help buyers get approved. The debt load, and credit history will be used by lenders to assess the amount of risk they face in extending credit to the Buyer. The interest rate and maximum approved amount are some of the important outcomes of such an pre-approval. An approval will be done, once a property is negotiated.

hire A REALTOR

Having a trusted and knowledgeable Realtor (a.k.a Agent) that is committed to the buyer is one of the most important decisions to make. This will save the buyer money and stress. It will also help the client make more informed, and timely decisions. Realtors are often paid by the Sellers while the Buyers Realtor is still 100% loyal to the buyer. Such payments are not done directly, and that helps to protect the integrity of the transaction. Good communication between the Buyer and the realtor is very important.

other experts

While most purchases will need home inspection, not every transaction will need an appraiser done. An experienced Realtor will provide referral on other qualified and credible experts that will be needed. A moving company, Lawyer, Home Inspector, Mortgage Broker, are just a few of such professionals. Assuming the Realtor is trustworthy, and professional, the Realtor will be most helpful in introducing other credible inexpensive professionals to contribute at different stages of the transaction.

HOME SEARCH

A good starting point is to understand the housing market with helpful resources from a Real Estate Agent or the multiple listing services and other similar platforms. This can be exhausting but having a schedule or plan that works is key to going house hunting. With an experienced Realtor, this can be less stressful to the Buyers. We will send out daily or weekly property alerts to those who request for it at no cost.

SHOWINGS

Technology has provided more options to help screen, and narrow down properties from available options. A scheduled physical viewing of properties is essential to finalizing which properties are best suited. All buyers ain’t the same, some love to view several, while others would rather view a few that are closest to what they want. It’s more enjoyable if the Buyer knows what will work for them, rather than just without a clue.

NEGOTIATIONS

Both verbal and written discussions are held to try negotiate the terms, (a.k.a “Offer”). These are the purchase price, dates, deposit, down-payment, chattels, and a few others that can be an issue if not properly managed. There are a few strategies to such negotiations. If the differences are settled, then an agreement may be reached based on both parties making a compromise. It’s all about aiming for best outcomes.

DOCUMENTATION

Drafting post and pre-transaction agreements require proper attention and professionalism. This needs to be taken seriously. Towards the end of the process, lawyers will be involved to finalize the closing, but prior to that several documents need to be drafted and signed. Each document is not only to give something to the other party, but also to protect each party. Some of the documents are, the Buyer agent agreement, Purchase agreement, finance documents, Amendments, Disclosures, Inspection report, Title Insurance, and a few more.

PRE-CLOSING

Pre-closing activities can be overwelming if not properly planned ahead. For instance, there is a difference between a visit and inspection, but most people assume they are both the same. There are appointments and documents that needs to be prepared, or delivered at different stages of the purchase timelines. Some of these may cost a little and why it’s important to know all the expected costs much earlier. An appraiser, mortgage broker, inspector and lawyer are some of the experts that may be involved at this stage in the transaction.

COMPLETION

After all agreements and documentation are all done, a process should have been initiated on how to effectively handover keys and deliver the property as agreed. Also payment and finance obligations must be met as agreed both to the Seller and any financial institutions involved in the completion of the deal. The Buyers Realtor should be committed to the Purchaser and helpful at these stage as well. Moving arrangements, and other related activities must be planned much earlier. Be reminded that the Sellers Realtor is only loyal to the Seller.

buying a property is good but these are

THE IMPORTANT THINGS TO THINK ABOUT

with the objective of getting a stress free
cost effective outcome