Based on comparable recent sales and our extensive experience, as well as any other relevant factors such as competing offers, we will recommend an offer price that will protect your best interests and give you your best chance to get your dream property.

If you are “pre-qualified” you have determined, with a loan officer, what price you can afford based on the down payment, your debts and the amount the mortgage company will approve for your mortgage. Being “pre-qualified” is only a determination of your probable credit. If you are “pre-approved”, your credit, employment and funds have been approved by the lender.

Closing costs are an accumulation of charges paid to different entities associated with the buying and selling of real estate. For buyers, they are usually about 4-6% of the total sales price of a property. Some of the closing costs you might encounter are: application fees, appraisal fee, Land Tansfer taxes, movers, documentation fee, homeowners’ association fees, loan fees, mortgage insurance, origination fees, tax registration and title insurance premium.

Title insurance protects the named insured against loss because of defects, liens, encumbrances, adverse claims, violations of municipal zoning by-laws, encroachments or other matters not shown or disclosed to the new owner that attach before date of policy. Some forms of title insurance will also cover against losses arising from real estate title fraud, forgery and false impersonation. Title insurance is available for a low premium that is paid only once at the time of closing, adn coverage is valid for the entire time you own the property.

In some cases, the sellers might already have commissioned a recent home inspection by a reputable home inspector to save you the trouble! It is also possible to purchase a property conditional on a subsequent home inspection. We will help you determine on a case by case basis whether an inspection is recommended.

Your deposit is held in the listing brokerage’s trust account until closing, when it is applied towards the purchase price of the property and related costs. If an interest bearing clause was part of your original offer, you may be entitled to the interest accrued on the deposit once the property has closed.

A Seller Property Information Statement is an optional form that sellers can fill out when listing their homes. The seller warrants as to certain information pertaining to their home, such as their knowledge of any structural problems, details on mechanical systems and upgrades etc. If you are interested in a specific property we can let you know if there is an SPIS available and send you a copy of it.

We will not only impress you with our knowledge of the local market but we will appreciate what you are looking for in a home. We will show you what is available in your price range, and discuss with you how the features and benefits of specific homes and neighbourhoods fit your requirements.

If you don’t have an exclusive agency agreement with us, you’re not legally obligated to work only with us to find your next home. It may, however, greatly benefit you to do so. Please talk to us regarding our position and then determine what’s best for you.

Every REALTOR^® tries hard to give top-notch service, but what distinguishes us from the rest?

Our team is dedicated to the services we provide. We care about our clients and are not about just making the deal, but we are about building lasting relationships. Our goal is to do such a good job for you that you would not only use our services again in the future but recommend us to your family and friends.