Buying a home is typically one of the largest financial transactions you will make. Factors such as proximity to schools, neighbourhoods, lifestyle, and return on investment may be considerations when deciding where to purchase a home. I will ease this process while helping you define what’s most important to you.

Using my property search tools, I will help you find the home that best suits your needs. With my extensive market knowledge, negotiating skills and professional expertise, I will facilitate the best transaction on your behalf.

MORTGAGES

One of the first steps in purchasing a home is determining your budget. Pre-qualification is the most important step in moving forward; even before seeing houses. I am happy to suggest a list of trusted professionals that I have worked with in the past.
TESTIMONIALS
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HOME BUYER'S GLOSSARY

AMORTIZATION SCHEDULE

The number of years it takes to repay the entire amount of the financing based on a set of fixed payments.

EQUITY

The process of determining the market value of a property.

MORTGAGE

A mortgage that can not be prepaid or negotiated for a set period of time without penalties.

CLOSING DATE

The date on which the new owner takes possession of the property and the sale becomes final.

COLLATERAL

An asset, such as a term deposit, Canada Savings Bond, or automobile, that you offer as security for a loan.

DEPOSIT

A transfer of funds paid by the Buyer after an Offer has been accepted by all parties. These funds are to be received within 24 hours of acceptance of the Offer and are held in a Trust Account, usually by the listing brokerage and are dispersed once the deal has been completed. The funds are credited towards the down payment of the purchase for the Buyer. The Seller’s lawyer will instruct how the deposit is to be dispersed upon closing.

VALUATION

The difference between the market value of the property and any outstanding mortgages registered against the property. This difference belongs to the owner of that property.

TERM

The terms available are 6 months, as well as 1, 2, 3, 4, 5, 6, 7, and 10 year terms. The interest rate will be fixed during whichever term one chooses.

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