Before diving into your home search, it’s essential to understand what you can comfortably afford.

• Connect with a lender or mortgage broker to get pre-approved.

Pre-approval gives you a clear borrowing limit, secures an interest rate, and signals to sellers that you're a committed and qualified buyer.

Would you like help rewording the next steps or formatting this into a visual layout or checklist? I can also tailor the tone for first-time buyers or professional audiences.

Before you start viewing properties, take time to define what matters most to you. A clear list will help focus your search and guide your decisions.

• Preferred neighbourhoods – Consider proximity to schools, public transit, parks, and amenities.

• Property type – Decide whether you’re looking for a condo, townhouse, detached home, or another style.

• Must-have features – Think about essentials like number of bedrooms, parking, outdoor space, or accessibility.

Choose a real estate professional who understands the Ontario market and can advocate for your interests throughout the process.

• Sign a Buyer Representation Agreement (BRA) to formalize your relationship and ensure you’re fully represented.

Your REALTOR® will help you find suitable listings, schedule property viewings, and navigate negotiations with confidence and clarity.

Would you like help polishing the next steps or formatting the full guide into a checklist, brochure, or interactive layout? I can also tailor the tone for first-time buyers or professional audiences.

Tour homes that fit your criteria.

1. • Attend showings and open houses.
2. • Ask questions about the property, neighbourhood, and recent sales.
3. 
   

Take notes and compare.

When you find the right home, your REALTOR® will help you prepare an Agreement of Purchase and Sale (APS).

1. • Decide on the offer price, closing date, and conditions (such as financing, inspection, or status certificate review for condos).
2. 
   

The seller can accept, reject, or counter your offer.

If your offer is accepted:

1. • You must provide a deposit (usually 5%) of the purchase price.
2. 
   

The deposit is held in trust by the listing brokerage until closing.

Common conditions include:

1. • Financing Approval – Final confirmation from your lender.
2. 
   

• Home Inspection – Identifies hidden issues that could affect your decision.

Status Certificate (for condos) – Reveals the financial health of the condo corporation.

In Ontario, it’s mandatory to have a lawyer to complete the transaction.

1. • They will review the agreement, conduct a title search, and prepare closing documents.

Your lawyer ensures your rights are protected and funds are transferred securely.

Your lender requires proof of homeowner’s insurance before releasing mortgage funds.

1. • Insurance should cover the structure, contents, and liability.

With conditions fulfilled, your lender will finalize your mortgage.

• You’ll sign the official documents confirming your loan and repayment terms.

On the agreed closing date:

1. • Your lawyer transfers funds to the seller’s lawyer.
2. 
   
3. • The property title is registered in your name.
4. 
   
5. • You pay the balance due, land transfer tax, and closing costs.
6. 
   
7. • Once complete — you receive your keys!