Buy a Home
Find a PlaceThat Feels Like Yours.
From the first viewing to the final signature, a clear process makes buying calmer and more confident.
Home Buying
More Thana Property.
Buying a home is about where life happens next: the commute, the neighbourhood, the space to grow. The right guidance helps you weigh each of those with clarity, and act with confidence when the right home appears.
Explore Properties
The Buying Process
Six Stepsto the Keys.
- 01
Consultation
Clarify your goals, must-haves, preferred areas and timeline.
- 02
Financing
Secure a mortgage pre-approval so you know your comfortable range.
- 03
Search & Viewings
Tour homes that fit, with honest perspective on each one.
- 04
Offer & Negotiation
Shape an offer around price, conditions, deposit and closing date.
- 05
Conditions
Complete inspections, financing and any document reviews.
- 06
Closing
Your lawyer finalizes the transfer. You receive the keys.
Mortgage Calculator
Plan YourPayments.
Adjust the price, down payment, rate and amortization to see an estimated payment, mortgage insurance and Ontario land transfer tax.
Estimated monthly payment
$4,206.39
- Down payment
- $190,000
- Minimum down payment
- $70,000
- Mortgage insurance
- Not required
- Total mortgage
- $760,000
- Interest over amortization
- $501,918
- Ontario land transfer tax
- $15,475
Estimate only. Assumes a fixed rate with semi-annual compounding for the full amortization. Excludes property taxes, condo fees, home insurance, legal fees, Toronto's municipal land transfer tax, provincial sales tax on insurance premiums and other closing costs. Insured 30-year amortizations are generally limited to first-time buyers and new builds and may carry a higher premium. Premiums, eligibility and limits are set by lenders and insurers; confirm with a licensed mortgage professional.
Buyer Consultation
Let's Talk AboutYour Search.
Share a few details and Shiv will follow up to discuss your goals, timeline and next steps.
FAQ
BuyerQuestions.
A mortgage pre-approval from a lender or mortgage professional gives you a borrowing range. Beyond that, consider monthly carrying costs and your own comfort level. The calculator on this page provides a rough payment estimate to help you plan.
Common costs in Ontario can include land transfer tax, legal fees, home inspection, title insurance, and moving costs. Your lawyer and lender can confirm what applies to your purchase.
It is not required, but it is strongly recommended. Pre-approval clarifies your budget and allows you to act with confidence when you find the right home.
Every search is different. Timelines depend on your criteria, financing, market conditions and the closing date agreed with the seller.
Begin the Conversation
Let's FindWhat's Next.
Whether you're buying, selling, or exploring your options, your next move starts with a conversation.