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feel confident.

The minimum depends on the purchase price: 5% on the first $500,000, plus 10% on the portion from $500,000 to $1.5M. If the purchase price is $1.5M or more, the minimum down payment is 20%.

Tip: We’ll map your down payment + closing costs so you know your true budget before you fall in love with a house.

Most buyers should plan roughly 1.5%–4% of the purchase price for land transfer tax, legal fees, title insurance, adjustments, appraisal, and inspection.

Tip: We’ll break down costs line-by-line so there are no surprises on closing week.

It’s strongly recommended. Pre-approval clarifies your budget, helps you move faster, and strengthens your offer—especially when timing matters.

Tip: We’ll align your approval with your plan: closing date, conditions, and realistic monthly payments.

Pre-qualification is an estimate based on basic info. Pre-approval typically includes document review and provides a stronger, more reliable buying range.

It can be a few weeks or a few months. It depends on inventory, your readiness (financing), and how specific your must-haves are.

Tip: We build a search plan so you’re not endlessly scrolling—and you know when to move quickly.

Common conditions include financing, home inspection, and (for condos) status certificate review. The right conditions depend on the home and the market.

Tip: We tailor conditions to protect you while keeping your offer competitive.

Deposits are often around 3%–5% of the purchase price and are typically due within 24 hours of an accepted offer (timing can vary by agreement).

In most cases, yes. An inspection helps you understand the home’s systems and potential risks. In competitive scenarios, we’ll recommend the safest strategy available.

You submit the deposit, complete conditions (if any), finalize financing, and your lawyer handles paperwork and closing coordination. We manage the timeline so nothing gets missed.

Yes—and it’s common. The key is a coordinated timeline, the right offer terms, and (sometimes) bridge financing. We build a transition plan so you’re not guessing.

It depends on your equity, risk tolerance, and market conditions. Some buyers want certainty (sell first). Others want control (buy first). We’ll recommend the best path for your goals.

Start with lifestyle priorities (commute, schools, parks, walkability, future value). Then we match neighbourhood options to your goals and budget—strategically, not emotionally.