For buyers
Buying in Toronto.
A clear path from first conversation to keys in hand, plus what to budget for beyond the purchase price.
The journey
Six steps to keys in hand.
The sequence every purchase follows, from the first pre-approval conversation to the lawyer's closing table.
Run the numbers first
The mortgage calculator models Canadian rules: semi-annual compounding, bi-weekly options, and CMHC insurance, so the budget range holds up before you start touring.
- 01
Get pre-approved
A mortgage pre-approval sets a real budget and signals seriousness to sellers. It's worth doing before you start touring, not after you've found the one.
- 02
Define the shortlist
Clear must-haves and genuine deal-breakers beat an endless list of showings; a tight shortlist is the fastest path to an offer.
- 03
Tour and compare
See homes in person, compare notes, and revisit your shortlist as you learn what actually matters to you.
- 04
Make a competitive offer
Price, deposit, conditions, and closing date all factor into a winning offer in Toronto's market, not price alone.
- 05
Inspect and finalize financing
A home inspection and final mortgage approval typically happen during the conditional period after an accepted offer.
- 06
Close
Your real estate lawyer handles closing: land transfer tax, title search, and the final transfer of funds and keys.
Before the search
Financing and pre-approval.
Getting pre-approved early tells you what you can realistically afford and strengthens any offer you make. Try the mortgage calculator to estimate monthly payments before you start touring.
Costs to budget for beyond the purchase price
Land transfer tax (Ontario, plus an additional municipal tax in Toronto)
Legal fees and disbursements
Home inspection
Title insurance
Moving costs
Closing-day adjustments (prepaid property tax, utilities, etc.)
Buyer consult form
Ready to start looking?
Tell us the budget range and rough timeline: the reply comes back with a shortlist that fits, not everything on the market.
What happens next
Every enquiry is read by the team and answered by email within 24 hours, usually with two or three questions about must-haves before any showings get booked.
No listing spam. Your details are used only to answer this enquiry; see the Privacy Policy.