First things first, de-clutter! Your home will look small and cramped if you have a lot of stuff, which can be distracting to buyers so be sure to get rid of unnecessary items and have your home show ready. A touch of paint and a good cleaning will do a world of difference. It also feels good coming home to a clean, organized home. Don't forget a mild scent like vanilla or cinnamon. It makes for a relaxing experience while visiting your home. Don't forget to turn all your lights on for that sparkle!
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Lets face it, there is a lot to consider when buying a home. Its a big and exciting step. Make sure you get pre qualified. Then make a list of all your wants and needs. Be sure to include what areas you are interested in. Do you want to live in the city? Or maybe on a farm? Do you want a condo or a freehold? Lots of options. We will be there to guide you through to find exactly what you want and where you need to be.
Closing costs are upfront costs that you must pay when you purchase a home, usually before you move in. Your lawyer can help explain these costs. In addition to your down payment, you must have funds available to cover these extra costs. They usually range from 1.5% to 4% of the purchase price of the home. For example, if you buy a $300,000 home, your closing costs could range from $4,500 to $12,000.
Closing costs may include, but are not limited to:
legal fees (or notary fees in Quebec)
land registration fees (sometimes called a land transfer tax, deed registration fee, tariff or property purchase tax)
township or municipal levies (may apply to new homes in subdivisions)
mortgage default insurance premium (if paying premium up front instead of adding it to mortgage loan)
home inspection fee
property tax and utility adjustments (to repay the seller for prepaid bills)
interest adjustments (for the period between your purchase date and your first mortgage payment)
survey or Certificate of Location cost
septic tank tests (if applicable).
Once in your new home, don't forget about:
condo fees (if applicable)
maintenance and repairs.
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