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    Wayne Winch & Brenda Brouwer

    Sales Representatives

    Re/Max All-Stars Realty Inc., Brokerage

    ​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? Starting September 2nd, 2019, 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 the deal 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

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    3 Listings Found
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    $459,000

    170 Garden Ave

    MLS®#:N4811975
    Status:For Sale 
    Type:Residential
    Community:Keswick North - Georgina
    • 2+0

    • 1

    Perfect For First Time Buyers Or Someone Looking To Invest, This Charming 2 Bedroom, 1 Bath Bungalow Is Just A Short Walk To A Private Beach With Deeded Access. Relax In The Sundrenched Front Room Or Spend Your Days Tending To The Beautiful Gardens. Newly Painted Living Room And Dining Room, And Ready For You To Add Your Own Finishing Touches!

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    • 2+0

    • 1

    $579,900

    395 Curley St

    MLS®#:N4768092
    Status:Sale Pending 
    Type:Residential
    Community:Historic Lakeshore Communities - Georgina
    • 4+0

    • 3

    Bright & Spacious 4 Bed 3 Bath Family Home Located In The Exclusive Private Waterfront Community Of Historic Roches Point. Just Steps To The Shores Of Lake Simcoe & Featuring A Newly Renovated Master Bedroom W/Cathedral Ceilings, French Doors, Ensuite Bath & Large W/I Closet. Sun Filled Open Concept Living/Dining Rm W/Walk Out To Private Fenced Yar....More details

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    • 4+0

    • 3

    $559,900

    290 Annsheila Dr

    MLS®#:N4798457
    Status:For Sale 
    Type:Residential
    Community:Keswick South - Georgina
    • 2+0

    • 1

    Full Reno. Brick Bungalow Located On Amazing 63 X 192 Ft Park Lot. Extensively Updated. Bright Open Concept Layout. Recent Kitchen, Bathroom, Flooring, Windows, Roof, H.V.A.C, 200 Amp Service, 2018 Paved Driveway, 2018 Privacy Fencing. This Home Is Move In Ready! W/O To Impressive Deck Creating A Perfect Entertaining Space In The Private Backyard....More details

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    • 2+0

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    3 Listings Found
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