Buyers Rebate Club

If you are in the market for a forever home, I would love to assist you in finding that perfect home. My commission structure is a little different. I rebate up to 50% of the commission I receive from sellers. As a buyer, you pay me absolutely nothing.  Let’s connect so that I can get [...]

Tax-Free First Home Savings Account – your questions answered

The FHSA offers prospective first-time home buyers the ability to save $40,000 tax-free. Like registered retirement savings plans (RRSP), contributions to an FHSA would be tax deductible. Like tax-free savings accounts (TFSA), income and gains inside an FHSA as well as withdrawals would be tax-free. Who is eligible? To open an FHSA, you must: be […]

RRSP Home Buyers’ Plan

One great source of funding for your mortgage down payment is a Registered Retirement Savings Plan (RRSP). The Canadian government’s Home Buyers’ Plan (HBP) allows first time home buyers to borrow up to $35,000 from your RRSP for a down payment, tax-free. If you’re purchasing with someone who is also a first time homebuyer, you […]

First-Time Home Buyers’ Tax Credit

The First-time Home Buyers’ Tax Credit was introduced as part of ‘Canada’s Economic Action Plan’ to assist Canadians in purchasing their first home. It is designed to help recover closing costs such as legal expenses, inspections, and land transfer tax. The Home Buyers’ Tax Credit, at current taxation rates, works out to a rebate of $750 […]

Your Home Search

I love helping buyers find their dream home.  That’s why I work with each client individually, taking the time to understand their unique lifestyles, needs and wishes.  This is about more than a certain number of bedrooms or a particular postal code.  It’s about your life, and it’s important to me.  My real estate business […]

Buyer Representation (vs. Customer Service)

Very few people are aware of the differences between Buyer Representation and Buyer Customer Service.  As your Representative I can: Protect You Keep information confidential Educate you on property values Notify you first on newly listed homes Recommend the seller be responsible for items Give you opinions on properties Create a negotiating strategy Discuss negative […]

Federal First-Time Home Buyer Incentive

Purchase Price                                  $400,000 Downpayment – 5%                       $20,000 3% – 25yr amortization                  $1,798.33 (PI) Federal Incentive – 5%                  $20,000 Reduces Monthly Mortgage        $1,703.68 (PI) Annual Savings                                 $1,135.75 ($28,393.75 over 25yrs) The incentive will need to be repaid as a percentage of the home’s current value at the time of sale (5% of […]

Making an Offer

Once you have found the property you want, I will write a purchase agreement.  While much of the agreement is standard, there are a few areas that we can negotiate: The Price What you offer on a property depends on a number of factors including: Condition Number of days on the market Buyer activity Urgency […]

Frequently Asked Questions

How will I tell you about the newest homes available? The Multiple Listing Service Website provides up-to-date information for every home on the market.  I constantly check the New on Market list so I can be on the lookout for homes meeting your criteria.  I will get you this information right away, the way that […]