01

financing

Before starting your home search, it’s important to evaluate your financial situation, confirm your budget, familiarize yourself with mortgage options and secure pre-approval from your lender. This will help you conduct your search with

confidence and negotiate your desired home successfully.

ESTABLISH YOUR BUDGET

As a general guideline, total monthly housing costs for your primary home, including mortgage payments, taxes, maintenance fees, insurance, interest charges and utilities, should not exceed 32% of your gross monthly household

income.

Many financial advisors also suggest that total monthly debt, including mortgage payments, credit card and car payments, should not exceed 40 per cent of your gross monthly income.

Those purchasing a real estate investment property should consult their real estate and financial advisor to understand tax and financial implications of their purchase.

02

Branding

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03

Consulting

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01

Advertising

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A step-by-step guide
to purchasing Real estate

Step 1 - Financing

The first step to purchasing Real Estate is to get pre-approved for a mortgage. Pre-approval will tell us what our budget is, and will allow us to write an offer on any property that we find. 

 

To get pre-approved you can either book an appointment with your bank, or work with a mortgage broker. A mortgage broker is someone who will help you shop for the best deal. They’ll compare different banks/lenders to find you the lowest and best possible rate. They also aim to get you the highest budget possible that works with your finances.

Message me directly for recommendations on Mortgage Brokers.

* The content on this web site is provided for general information purposes only and does not constitute legal or other professional advice