Download our buyers guide and educate yourself on the process.
Most people just get on a website like mine and start shopping before they even know what goes into buying a property. The more you know about what you are doing the better experience you will have. Input your email below to download our guide.
Choose the right Realtor.
A Realtor is so much more than someone who just takes you in showings. The true strength of a Realtor is in the additional value that they bring to the table. Your Realtor should introduce you to the best mortgage broker, lawyer, moving company etc. Your Realtor should know the neighbourhood that you are looking at inside and out. Your Realtor should be an expert negotiator and provide insight into how much you should spend on a particular property.
Sit down with a mortgage professional
The biggest mistake that most buyers make is going online and using a “what can I afford” calculator to determine their budget. The first step that every buyer should take when purchasing a property is to sit down with a mortgage professional (not your part time cousin) to determine how much you can afford.
Focus! Choose a neighbourhood.
The city is a big place with a lot of properties. The more you focus the better chance you have of finding the best property for the best value. If you try to look in too many places it’s like finding a needle in a haystack and ultimately it will leave you frustrated.
Create a list of wants vs needs. (checklist in our buyers guide)
Of course we all want a west facing property with views of the city, a massive balcony, split bedrooms and a massive kitchen island. The reality is if you include too many wants in your search you may be left on the sidelines for a long time. Make sure to properly balance your wants vs needs and be realistic about what’s available.
Start your search with automatic property updates.
NOW you can start your property search, and every serious buyer needs to be getting automatic property updates. It’s a crazy competitive market out there right now and buyers need every advantage they can get. Our automatic property updates services makes sure that you get the properties that Steveer most to you delivered to your inbox the second they hit the market. This is 24/48 hours faster than you will see listings on Realtor.ca or most other Realtor’s websites! You can sign up in a couple of seconds by clicking the button below.
Make an offer based on comparables.
Once you find the perfect place you need to move fast! We don’t ever rush our clients, but if you have properly prepared it won’t feel rushed. We know how hard it is to find amazing places and we simply want our clients to have them! When making an offer your Realtor will protect your best interests by including conditions with the offer and negotiating with a maximum price in mind to ensure you don’t overpay or go past your comfort level.
Deliver the deposit check.
Once an offer is accepted (even before it goes “firm”) you typically have 24 hours to deliver the deposit check to the seller. The deposit amount is negotiated during the offer process but it is typically 5% of the purchase price. If you deliver the check even 1 minute more than 24 hours, the deal is technically void. Moving money isn’t always fast so make sure to have your deposit prepared in advance.
Waive any conditions.
If your offer contained conditions like a finance condition, you have a specific amount of time to “waive” the conditions or the deal will become null and void and your deposit will be returned to you. If you waive the conditions, the deal becomes “firm” a and you are obligated to now close on the property. Neither side can back out at this point.
Close the deal with your lawyer and mortgage team, and get the keys!
Your lawyer and mortgage broker will set up meetings with you for a couple of days before closing to sign off on the final documents. At this point your job is to book the movers and get your finances in order. The lawyer will let you know exactly how much you need to bring with you when you meet, but it will include the remained of your downpayment, land transfer tax and legal fees. Once you have done that, you get the keys to your awesome new property!
Get Automatic Listings Updates
As a first-time home buyer, there were a lot of things I didn't know. Steve was a fantastic realtor to work with because he is extremely knowledgeable about the market. Steve regularly went above and beyond in finding listing on or off the market. He paid close attention to my needs and wants and catered a plethora of great properties for me to see. Being so knowledgeable Steve gave me sound advice on potential properties even raising questions or concerns that I hadn't given thought to. Steve's patience, dedication, knowledge and ability to truly understand what I needed allowed me to find a place that I LOVE. I would highly recommend him. Steve, it was a pleasure working with you, looking forward to the next unit I purchase with you! 10/10 Realtor & Person
As a Realtor, I am extremely fortunate to have crossed paths with Steve. Realtors often call one another to seek advice, talk about the market, or compare notes on areas. When I called Steve for this purpose, he was not only willing to take out time from his day to speak with me, he went above and offered me information that truly had an impact on my business. Without a doubt, if you're fortunate enough to have Steve as a Realtor, you're in good hands. Steve, I hope we do business in the future.
Steve didn't waste my time. He kept his promises. It showed he cared about his clients who are my new landlords. Polite, personable, effective. Might call him up for my own real estate needs in the future!
When my wife and I had our first child we decided it was time to leave the condo life and find a place with a little more space. Steve not only helped us sell the condo at top dollar but also found us a home we can spend the rest of our lives in. He was always available and had all the answers we were looking for throughout the full process (which took months). His knowledge of the market was second to none and helped us make educated decisions during this very stressful process. J & T
Been through many purchases and sales, and Steve is by far the best agent I’ve dealt with. He is knowledgeable, helpful, trustworthy and overall exactly what you want in an agent. We purchased our home in Toronto virtually from New York and Steve made the process so comfortable and easy for us. Needless to say I would highly recommend him!
Ready to Start?
The first step is helping us understand your real estate needs. Let's grab a coffee and chat!