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    Wayne Winch & Brenda Brouwer

    REALTORS®

    Re/Max All-Stars Realty Inc., Brokerage

    FIRST TIME HOME BUYERS IN GEORGINA

    ​1. Downpayment & Pre-Qualification


    Meet with a mortgage lender and ask if you can get a pre-qualification quote. Many will have no problem running a credit check for you and will run your budget through a calculator to determine approximately how much home you can afford. We suggest getting a couple pre-qualification quotes, from banks, mortgage brokers and credit unions. This way when the time is right you can make clear, well informed decisions, over who to use to finance your home. 


    Online Calculators for reference


    Mortgage Stress Test Calculator


    CMHC Affordability Calculator


    FREE Credit Score


    Do you and your partner make under $120,000? You can apply to finance a portion of your home through the Government of Canada in a no-interest equity loan. Learn more about the First Time Home Buyer Incentive here


    2. Know What you Want


    Make a list of what you need and want in a home. Now compare the two lists.  Are there some things on your "want" list that you can do without to make your dreams happen? This takes some careful thinking and planning for most first time homebuyers because the first time you buy a home you are usually faced with limited finances. What's on the market as an entry-level may not have all the bells and whistles that you are looking for so it's important to know what you can live without and what you can't. 


    3. Get Professional Representation


    Hiring a real estate professional will ensure that each step in the home buying process is as stress-free as possible. We will be able to provide you with essential market information and recommendations on ideal properties that fit your criteria.


    4. Be Objective


    Often enough, people get emotional when purchasing their first home. It is important to keep an objective state of mind and think with your head, rather than your heart. Does this home really meet your requirements? Unless you absolutely have to move in a certain time frame, there is no need to make a hurried decision that you will regret.


     5. Get a Home Inspection


    Acquiring the services of a professional home inspector can save you thousands of dollars in the long-run. A home inspector will evaluate the home and reveal any repairs or damages that need to be fixed. Being aware of any structural damage to the home before closing will prevent you from being liable for any repairs in the future.


    6. Listen to your lawyer


    An often underutilized member of your home buying team is your real estate lawyer. It's his job to ensure all "I"s are dotted and all "T"s are crossed. Any paperwork mishaps, issues with finances, or other problems that arrise, often happen in their office.


    Your home isn't technically your home until he, or she, hands you the keys. 

    Find Your First Home

    • Buy
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    13 Listings Found
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    $499,900

    311 Mary St W

    MLS®#:X5329257
    Status:For Sale 
    Type:Residential
    Community:Lindsay - Kawartha Lakes
    • 3+2

    • 3

    3+2 Bed, 3 Bath Home Is Set In Great Lindsay Neighbourhood On Corner Lot. Close To Schools, Shopping, Community Rec Centre & Fair Grounds. All Brick Bungalow With Large Living Room & Hardwood Floors, Dining Room, Eat In Kitchen With Walk Out To Back Deck & Yard, Master Suite W/2Pc Ensuite, 2 Additional Bedrooms & Main Floor Laundry. Entrance From H....More details

    View Details
    • 3+2

    • 3

    MLS®#:E5327314
    Status:For Sale 
    Type:Condominium
    Community:Crescent Town - Toronto
    • 2+1

    • 1

    • Area:

      1000-1199 Sq Ft

    S-T-U-N-N-I-N-G Condo For Sale! *21.225 X 4.92 Ft E.N.C.L.O.S.E.D Balcony *A Rare Find * Spacious Living Room! Free Membership To Multi-Million $$$ Rec. Games Rooms, Squash And Basketball Play Area. Walking Distance To Victoria Park Subway, 24 Hours Security/Daycare/School/Doctor/Pharmacy-Dentist Office/Drug Store++. Currently Tenanted. Tenants Wil....More details

    View Details
    • 2+1

    • 1

    • Area:

      1000-1199 Sq Ft

    $399,888

    75 Keith St

    MLS®#:X5327543
    Status:For Sale 
    Type:Residential
    Community:Landsdale - Hamilton
    • 3+0

    • 1

    ** Great Potential** Solid Bones** Separate Entrance To Basement**Brick**22.3 X 25.5 Feet-Dbl Garage/ Great Potential For Laneway Housing,Construction Company Or Workshop**

    View Details
    • 3+0

    • 1

    $550,000

    11 Glory Cres

    MLS®#:X5322305
    Status:For Sale 
    Type:Residential
    City:Bancroft
    • 3+0

    • 2

    • Area:

      2000-2500 Sq Ft

    Lovely 3 Bedroom Log Home On The York River, Located Only 10 Minutes To Bancroft, Separate Guest Cabin, Septic And Well, Year Round Access, 4 Season Living. Paddle Into Town From Your Own Dock. Baptiste Lake Located Only Minutes Away To Launch A Boat And Surrounded By Lakes & Trails. The Home Features Large Open Concept Living Space With Cathedral ....More details

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    • 3+0

    • 2

    • Area:

      2000-2500 Sq Ft

    MLS®#:E5306151
    Status:For Sale 
    Type:Condominium
    Community:Malvern - Toronto
    • 2+0

    • 2

    • Area:

      900-999 Sq Ft

    Stunning New Kitchen, Quartz Counters, 2 Bed & 2 Bath, Lakeview From Living Rm, Mbr, 2nd Br & Balcony. Main Br W/I Closet & 2Pc Ensuite. Laundry In Unit. Both Baths Renovated! Bright & Spacious, Close To Amenities, Ttc At Door, Malvern Town Centre Just Across The Street, Close To 401, Medical Clinic, Low Maintenance, Includes Heat, Hydro, Water, Ca....More details

    View Details
    • 2+0

    • 2

    • Area:

      900-999 Sq Ft

    $499,000

    517 Stewart St

    MLS®#:X5302255
    Status:For Sale 
    Type:Residential
    Community:Downtown - Peterborough
    • 6+0

    • 2

    • Area:

      2000-2500 Sq Ft

    Attention Investors/Ideal Location For A Rental Property!! Spacious 6 Bedroom, 2 Bath, 2 Kitchen, 2 Laundry Home With 2X200 Amp Panels With Easy Access To Downtown Peterborough!! Located On Peterborough Transit Route, Walking Distance To All Amenities!! This Spacious 2.5 Storey All Brick Home With Attached Single Car Garage Is A Corner Lot With 2 E....More details

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    • 6+0

    • 2

    • Area:

      2000-2500 Sq Ft

    $449,900

    139 Southview Dr

    MLS®#:X5300998
    Status:For Sale 
    Type:Residential
    Community:Cameron - Kawartha Lakes
    • 2+2

    • 2

    • Area:

      1100-1500 Sq Ft

    Excellent Opportunity To Own A Charming 2 + 2 Bedroom Home Located In The Southview Estate Waterfront Community. Great Starter Home In Highly Sought After Neighborhood, Large Mature Private Lot With Access To Sturgeon Lake. House Features A Separate In-Law Suite With Access Through The Backyard. Open Concept Kitchen/Living Room With Cathedral Ceili....More details

    View Details
    • 2+2

    • 2

    • Area:

      1100-1500 Sq Ft

    $439,900

    262 Dalhousie St

    MLS®#:X5288957
    Status:For Sale 
    Type:Residential
    Community:Downtown - Peterborough
    • 4+0

    • 1

    Excellent Investment Opportunity In The Heart Of Peterborough. Charming 4 Bed 1 Bath Home Currently Tenanted. Lease Runs Until 2023. Please See Attachment For Financial Details. Nice Large Corner Lot. Walking Distance To All Amenities And Close To Numerous Parks.

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    • 4+0

    • 1

    MLS®#:W5284848
    Status:For Sale 
    Type:Condominium
    Community:Weston - Toronto
    • 2+0

    • 2

    • Area:

      1000-1199 Sq Ft

    This Sun Filled Unit Features 2 Bedrooms, 2 Bath With Amazing Southern Panoramic Views Across Raymore & Weston Park. Included Is Parking And Locker.. Modern Layout With Sunroom/Den, Ensuite Laundry, All Your Required Amenities And Steps Away From Transit, Shops And More! Book Your Showing And Come Home Today!

    View Details
    • 2+0

    • 2

    • Area:

      1000-1199 Sq Ft

    $449,000

    406 Kennedy Dr

    MLS®#:X5274017
    Status:For Sale 
    Type:Residential
    Community:Rural Galway-Cavendish and Harvey - Galway-Cavendish and Harvey
    • 2+0

    • 1

    • Area:

      700-1100 Sq Ft

    Enjoy Life By The Lake! Open Concept Kitchen/Living/Dining Room With Central Stone Fireplace And Propane Insert. Large Kitchen With Walk Out To Private Treed Back Yard. Main Bedroom Features Office Nook And Oversized Walk In Closet. Newer Roof & Forced Air Propane Furnace. Full Sized Crawl Space Offers Ample Storage. Large Front Deck With Lake View....More details

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    • 2+0

    • 1

    • Area:

      700-1100 Sq Ft

    $340,000

    6 Easton Ave

    MLS®#:X5271556
    Status:Sale Pending 
    Type:Residential
    City:Bancroft
    • 3+0

    • 2

    • Area:

      1100-1500 Sq Ft

    Are You Looking For A Calm And Quiet Lifestyle? This Home Is The One. Situated At The End Of A Quiet Cul-De-Sac. 6 Easton Ave Has Been Lovingly Cared For, It Features 3 Main Floor Bdrms & A Large Lot For You To Enjoy. Within A 15 Min Walk You'll Find A Park, Waterfront & Shopping. No Need To Worry About Large Expenses As This Home Has Recently Rece....More details

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    • 3+0

    • 2

    • Area:

      1100-1500 Sq Ft

    MLS®#:X5255829
    Status:Sale Pending 
    Type:Residential
    Community:Lindsay - Kawartha Lakes
    • 4+0

    • 1

    • Area:

      1100-1500 Sq Ft

    Centrally Located In Walking Distance To Everything You Possibly Need, This 4 Bedroom Century Home Boasts High Ceilings, Wide Baseboards, Custom Kitchen Cabinetry, Formal Living Rm And Dining Rm W/ Great Family Sized Rec Rm At The Rear. Detached Garage/Workshop Complete W/ Woodstove Borders A Private Fenced In Backyard For Family Enjoyment. Schools....More details

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    • 4+0

    • 1

    • Area:

      1100-1500 Sq Ft

    $499,900

    124 Colborne St

    MLS®#:X5225929
    Status:For Sale 
    Type:Residential
    Community:Fenelon Falls - Kawartha Lakes
    • 3+0

    • 1

    Take A Look At This Great Investment/Handy Man Special! Located In The Jewel Of Kawartha Lakes, This Triplex Has Many Great Possibilities! Great Rental Income, You Can Live In One Unit & Rent The Other 2, Or Rent Out All 3 For 3 Times The Income. With A Bachelor Pad Upstairs, A 3 Br On The Main Level, & A 1 Br Apartment In The Basement. All Have Se....More details

    View Details
    • 3+0

    • 1

    13 Listings Found
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