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Tips for Buyers
Tip 1: Know what you can afford
Get pre-approved for a mortgage by contacting your bank or preferred financial institution before you start your search.
Understand the types of mortgage options available to you and the conditions associated with each. Assess the budget range you are comfortable with for mortgage payments given your overall financial situation.
Tip 4: Ask the right questions
Be aware and informed of problems and flags with the property before making a purchase decision.
Understand the condition of the property to avoid significant costs in the future. For example, ask about recent flooding, property damage, leaks and major repairs. Consider a home inspection and professional assessment to give you peace of mind that you are making a sound investment.
Tip 2: Choose the right Realtor
Choose a Realtor to represent you in the buying process that is reliable, knowledgeable, and understands what you are looking for.
To make sure your best interests are at the heart of the process, find your own agent instead of agreeing to be represented by a seller’s agent to avoid potential conflicts of interest. In most cases there is no upfront cost to enlist an agent to represent you – a commission will be paid to the agent by the selling party when you purchase a home and the transaction is completed.
Tip 5: Strategize offer conditions
Consider various offer conditions and negotiation strategies when competing against several potential buyers for your dream home.
Sometimes it’s very competitive to bid against other buyers and your Realtor should present various options and offer conditions that will position you to be successful. There are many risks you aim to mitigate by putting in the right conditions, however be flexible where possible to make your offer stand out from the rest.
Tip 3: Reflect on what you are looking for.
Consider the type of home and location that suits your lifestyle. Know your ‘must-have’ and ‘nice-to-have’ to inform a targeted search.
Depending on your family and lifestyle, you will be looking for different things in a home. For example, consider proximity to schools and community centres if you have children, a spacious backyard if you have a green thumb, desired amenities for condos, whether you prefer a quiet location or the bustling city centre.
Tip 6: Trust your instincts
Whether it’s the feeling of “I belong here” or “something doesn’t seem right,” follow your instincts.
Balance your feelings with the right information to make informed choices and decisions. Buying property is a major investment for most people and you must be comfortable with your decision. Once you make a decision - embrace it, and avoid falling into the woes of buyer’s remorse. Instead, focus on making your new home a place you love.