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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

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    10 Listings Found
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    MLS®#:E5399472
    Status:For Sale 
    Type:Condominium
    Community:Crescent Town - Toronto
    • 2+0

    • 1

    • Area:

      900-999 Sq Ft

    S-T-U-N-N-I-N-G! Must See! Fully Renovated, Clean And Tidy. In-House Laundry. Modern Kitchen. Beautifully Build Cloths Cabinet. Day Care & School 2 Mins Walking Distance! Free Membership For Crescent Town Club. Swimming, Karate, Basketball, Table Tennis, Squash. 3 Mins Walking Distance To Pharmacy & Health Clinic. 3 Mins Waking Distance To Grocery ....More details

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    • 2+0

    • 1

    • Area:

      900-999 Sq Ft

    MLS®#:W5393413
    Status:For Sale 
    Type:Condominium
    Community:Applewood - Mississauga
    • 3+0

    • 2

    • Area:

      1000-1199 Sq Ft

    Priced For Quick Sale, Need Tender Loving Care. Three Bedroom Penthouse, Freshly Painted, Large Size Balcony Await For You Unobstructed South East View, One Full Bath And A Powder Room, Good Size Bedrooms, Ensuite Storage Area. Conveniently Located To All Amenities.

    View Details
    • 3+0

    • 2

    • Area:

      1000-1199 Sq Ft

    MLS®#:X5391242
    Status:For Sale 
    Type:Residential
    City:South Algonquin
    • 1+0

    • 1

    • Area:

      < 700 Sq Ft

    Calling All Nature Lovers Or Avid Hunters. Newly Built Cabin Surrounded By Mature Trees On 92 Acres W/ Year Round Road Access. Papineau Creek Runs Through The Property W/ Loads Of Crown Land Nearby, And Close To Major Snowmobile Trails. Only 20 Mins From The East Gate Of Algonquin Park Close By And Loads Of Lakes All Stocked By Mnr W/ Trout. Lookin....More details

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    • 1+0

    • 1

    • Area:

      < 700 Sq Ft

    MLS®#:E5386357
    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 & 2 Pc 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, C....More details

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    • 2+0

    • 2

    • Area:

      900-999 Sq Ft

    MLS®#:X5382663
    Status:Sale Pending 
    Type:Residential
    City:Windsor
    • 3+0

    • 3

    Beautiful Raised Bungalow With Walk-Out. Excellent Location Factor For A 'Starter Home'. Open Concept Main Floor, Buyer Has Option To Install Own New Kitchen. Large & Bright Living Room With Bow Window. Double Front Doors, Spacious Foyer With Closet. Large Front Veranda/Balcony To Relax. Amenities Include Public & Catholic Schools, Public Library,....More details

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    • 3+0

    • 3

    $399,900

    29796 Highway 62

    MLS®#:X5350169
    Status:For Sale 
    Type:Residential
    City:Bancroft
    • 3+1

    • 1

    Just Listed In Birds Creek! Sought After Area, Only Steps To Birds Creek Public School. 4 Mins To Bancroft & All Other Amenities. Home Features Bright Eat-In Kitc, Lg Liv Rm W/ Tons Of Natural Light, Central Air, Newer Windows & Electrical In 2010, 3 Bdrms & A 4 Pc Bath On The Main Flr. Huge 4th Bdrm & Rec Rm On Lower Level. Awesome Starter, Retire....More details

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    • 3+1

    • 1

    $429,900

    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

    $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

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    • 3+0

    • 1

    10 Listings Found
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