BE AN EDUCATED BUYER  Learn as much as you can about the market before you buy. The Toronto real estate market is extremely competitive, and you don’t want to be caught napping.	BE OPEN WITH YOUR REALTOR  I work for you and can best help you if I have a good understanding of your needs. Once I know your needs, my job is to be your objective guide in the process, and to ensure your needs and interests are met and protected.
GET PRE-APPROVED It helps you determine your budget and locks in today’s best rate for you. I refer many clients to mortgage professionals should they need one. You speak to them all and pick the one you think is the best fit for you.	BUY THE BEST HOME YOU CAN AFFORD  You are almost always better off with the least expensive home in the area rather than the most expensive. That said, I strongly recommend that you be conservative with your budget.

Here are some government programs and incentives for first-time home buyers: 
Home Buyers' Plan (HBP)
Land Transfer Tax Refunds 
First Time Home Buyer Tax Credit (HBTC)
 
Calculate your mortgage and taxes HERE.
 

To get the ball rolling, type below where you would like to live, what type of property you are looking for and the price range your are comfortable with and you will receive all the available listings that fit your search criteria as well as daily updates every morning. It's that simple. 
Rather not fill out a form? No problem! Give me a call: 416-219-6662 and let's chat!