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There are a few key things to take into consideration before buying a home, even if it's not your first time! See below for tips on home buying.

Your Guide To Home Ownership

Download your free guide on everything you need to know about buying a home

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The hardest part of buying a home is getting that down payment. In Canada, the minimum down payment for a home is 5% for homes that cost $500,000 or less, or 10% for homes over $500,000.  Any home purchased over $1 million or more, the minimum down payment is 20%. Keep in mind that for anything less than a 20% down payment, it will require mortgage insurance. 

The more down payment you can afford, the less your monthly mortgage payments are. In turn, you will also be paying less interest over the course of your amortization. 

Real Estate Contract With Pen And Calculator


A pre-approval allows the buyer to determine what they can realistically afford. Ideally, before contacting a realtor or salesperson, make sure to obtain a pre-approval from your bank or a mortgage broker. 

Though most people think to turn to their bank for funds, mortgage brokers are a great option as they will compare rates across a variety of financial institutions to get you the best deal. They also tend to have lower fees.



The fun part starts when you hire a real estate professional, and shop around for your new home - this is where I come in! Once you have your finances in check, and you know what you can afford, we can begin working together. By working with a registered real estate professional such as myself, I can help you navigate the many steps and decisions involved in the home buying process.


My approach to home buying is to ensure you know exactly what you're getting into. I operate transparently which means before you sign a buyer's agreement with me, I will walk you through the process step by step, making sure to answer any questions you may have. I want all my clients to feel comfortable and confident that by working with me, I will have your best interests at heart.

The New House


Location, location, location! Whether you commute to work, work remotely, or just like the vibe of a certain neighbourhood, location is key in finding you a home you will love.


Lifestyle - Consider key factors in your life such as:


Family size: do you/will you have kids? Do you want to be close to a school?

Pets: do you need space for them to run around, or would you like to live close to a park? 

Upcoming life changes: Are you planning to retire soon? Are your kids going off to college? 


Size - How many bedrooms and bathrooms do you require? Will you need a home office? 

Features - Do you want a swimming pool? Is it important that your home will be energy efficient? Do you need a certain number of parking spots?

No matter how you answer these questions, the home you choose will be key to how you live.

Tip! Make a list of must haves, and nice to haves as this will help prioritize what is most important for you in your home search.

Click here for your FREE house hunting checklist.

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