Buyer's Guide

Buying a Home in the GTA

A step-by-step guide to navigating Ontario's real estate market with confidence

Your Path to Homeownership

Step 1

Get Pre-Approved

Secure your mortgage pre-approval to know your budget. Ontario lenders require proof of income, credit check, and down payment verification.

Step 2

Find Your Home

Search MLS® listings, attend open houses, and tour properties. I'll provide insights on neighbourhoods, schools, and future development.

Step 3

Make an Offer

I'll help you craft a competitive offer with appropriate conditions (financing, inspection, status certificate for condos).

Step 4

Home Inspection

Hire a licensed Ontario home inspector. Typical cost: $400-$600. Check for structural issues, HVAC, roof, and environmental concerns.

Step 5

Finalize Financing

Work with your lender to finalize the mortgage. Ontario requires land transfer tax payment on closing. First-time buyers may get rebates.

Step 6

Closing Day

Your lawyer handles the title transfer. You'll receive the keys to your new Ontario home! Budget for closing costs (2-4% of purchase price).

Ontario Mortgage Calculator

Home Price: $800,000

Down Payment: 20% ($160,000)

Interest Rate (%)

Amortization (yrs)

First-time home buyer?

Buying in City of Toronto?

Monthly Payment$3,930

Provincial LTT$12,475

Total Land Transfer Tax$12,475

Looking for a Home?

Tell us exactly what you're looking for — property type, preferred areas, budget, bedrooms, and must-have features — and a realtor will find homes that match your criteria.