Make Your FirstPurchase Confidently and Seamlessly.
As a first-time buyer, you deserve guidance that simplifies the process and empowers your decisions. I help you navigate financing, neighborhoods, and negotiations with clarity—ensuring stress-free and successful experience.
A Beginner’s Guide to Buying
Your First Home
Buying Process Step-by-Step
This guide directs you through the entire process of purchase in easy and understandable terminology. From identifying your needs, lifestyle, neighbourhood preferences, a realtor makes an offer, make visits, negotiate and close the deal in your best interest. A realtor makes you aware of what comes next and alleviates any confusion related to property and the acquisition process.
Mortgage Pre-Approval
Securing a pre-approved mortgage is a critical first step for any buyer. This guide assists you through the evaluation of your income, credits, debits and present documents to determine a realistic loan value. The pre-approval places you at the top in competition and enables you to strike the deal confidently.
First-Time Home Buyer Incentives (FTHBI)
The Government assist first-time home buyers by offering incentives to acquire their home. This guide makes you aware of such benefits and explains to you how the First-Time Home Buyer Incentive works, what the eligibility criteria and how you can reduce your monthly mortgage payment by shared equity. This knowledge provides you with benefits and educates you on how to save money by utilizing the scheme.
Land Transfer Tax & Rebates
The State of Ontario imposes the Land Transfer Tax when buying the property, which forms a substantial part of the upfront costs. This guide equip you with knowledge of tax calculations and what tax rebates are available for first-time homebuyers. With clear knowledge and breakdown, you arrive at your financial liability at the time of purchase. So you can better plan your budget and mobilize resources to manage the upfront costs.
Closing Costs Breakdown
Many first-time buyers are not fully aware of financial obligations at the time of the deal and are left surprised. But this guide takes you through each and every detail of title insurance, inspection, legal, adjustments and appraisal costs. Every expense is explained in detail, and its importance is explained. With full knowledge of each cost involved in the process, you plan your budget and avoid last-minute troubles.
Offer Process Explained
Understanding the offers can be overwhelming, but this guide assists you step by step. You will learn how offers are made and structured, and understand the conditions to carry out the negotiation in the different market scenarios. It equips you to compete and make a smarter move in strategic conditions. With the complete knowledge of the process, you can go ahead confidently.
Moving Checklist
You need a checklist to move smoothly and prepare yourself for everything involving in the process. This checklist covers everything from organizing movers, packing early and transferring utilities at your new address. It keeps your transition on schedule and makes your move smooth and stress-free. This checklist ensures your smooth living in the first place, right from the day you entered into.
Working with Lallie Brar was an absolute game-changer. From our first meeting, she made the buying process simple, clear, and stress-free. Her market knowledge, negotiation skills, and attention to detail helped us find our dream home at the perfect price. I couldn’t have asked for a better realtor — I would highly recommend her.
Samantha R.
Brampton, ON
ContactMe
Reach out today and take the first step toward your dream home.
Call us on
905-334-2615
Email Us
info@lalliebrar.ca
Your real estate journey starts here — I’m just a message away.