Navigate Your Home Purchase with Confidence
Buying a home is one of the most significant financial decisions you'll make. Whether you're a first-time buyer or experienced homeowner, having the right guidance makes all the difference.
I'll walk you through every step—from getting pre-qualified to closing day—ensuring you understand the process and feel confident in your decisions. Let's find your perfect home in Hamilton, Ancaster, Dundas, Waterdown, or South Bruce Peninsula.
The Home Buying Process
Get Pre-Qualified
Know your budget before you start searching. Get a mortgage pre-approval with full credit check and financial disclosure. This shows sellers you're a serious buyer.
Define Your Criteria
Create your wishlist and identify needs: bedrooms, bathrooms, location, condition, and must-have features. Consider proximity to schools, parks, and amenities.
Search & Tour Homes
I'll send you listings that match your criteria and schedule tours. We'll explore neighborhoods and discuss each property's potential and any concerns.
Make an Offer
We'll evaluate the property, research comparable sales, and craft a competitive offer with appropriate conditions to protect your interests.
Complete Due Diligence
Home inspection, review of status certificate (for condos), and finalizing financing. I'll guide you through each condition and what to look for.
Close & Move In
Final walkthrough, sign documents with your lawyer, and get the keys! I'll be there to ensure a smooth transition into your new home.
Start with Mortgage Pre-Qualification
Getting pre-qualified for a mortgage is the only way to start the purchase of your ideal home.
What Pre-Qualification Tells You:
- Your Budget - How much you can afford to spend
- Down Payment Required - Amount needed upfront
- Closing Costs - Legal fees, land transfer tax, title insurance
- First-Time Buyer Incentives - Municipal tax rebates and programs
Make sure you have a commitment on paper from your mortgage broker or bank with a full financial disclosure and credit check completed.
Understanding the Costs
Budget for These Expenses
Beyond your down payment and mortgage, budget for:
- Home Inspection Fee - $400-600 typically
- Land Transfer Tax - Provincial tax based on purchase price
- Legal Fees - $1,500-2,500 for closing
- Title Insurance - One-time protection (see below)
- Adjustment Costs - Prepaid taxes, utilities, condo fees
- Moving Costs - Professional movers or truck rental
- Immediate Repairs - Even move-in ready homes need something
Title Insurance Protection
Title insurance is often recommended to protect against:
- Title fraud and irregularities
- Survey flaws and encroachments
- Unregistered easements
- Existing by-law violations (building setbacks, driveway width)
- Legal rights of access issues
A one-time premium protects you and your property value for as long as you own the home.
Helpful Resources
Mortgage Calculator
Calculate your monthly payments based on price, down payment, and interest rate.
Calculate NowSearch Listings
Browse available homes in Hamilton, Ancaster, Dundas, and South Bruce Peninsula.
View ListingsRECO Buyer Guide
Official guide from Real Estate Council of Ontario with important buyer information.
Download GuideReady to Find Your Ideal Home?
Let's discuss your home buying goals and start your search in Hamilton & South Bruce Peninsula.
