A step-by-step guide to help you navigate your real estate purchase with confidence and clarity.
Real Estate Broker
Find a trusted broker and sign a brokerage contract.
Needs Analysis
Define your ideal property: location, type, budget, features.
Mortgage Pre-Approval
Get pre-approved to know your real budget.
Property Visits
Visit properties and evaluate them against your needs.
Seller's Declaration
Carefully review the seller's property disclosure.
Comparative Market Analysis
Your broker analyzes comparable sales to assess fair value.
Promise to Purchase
Draft a purchase offer with the appropriate conditions.
Negotiation
Your broker negotiates on your behalf for the best terms.
Meeting Conditions
Financing, inspection, and other conditions must be met.
Final Approval
The bank confirms your financing for the specific property.
Inspection
An inspector evaluates the property condition before closing.
Notary
Official signing of the deed of sale at the notary.
Key Handover
You receive the keys to your new property.
Home!
Congratulations! You are now a homeowner.
Know Your Budget
Pre-approval tells you exactly how much you can spend, saving you time by not visiting properties out of your reach.
Strengthen Your Offer
Sellers take pre-approved buyers more seriously. Your offer is more credible and competitive in a competitive market.
Speed Up the Buying Process
With a pre-approval in hand, you can act quickly when you find the ideal property, without waiting for financing to be approved.
Type of property
Single-family home, condo, semi-detached, triplex, land...
Preferred location
Neighbourhood, proximity to schools, work, transport...
Budget
Mortgage pre-approval amount and preferred monthly payment.
Bedrooms and bathrooms
Minimum vs. ideal number.
Garage and parking
Single, double, covered, outdoor space.
Must-have features
Basement, large yard, modern kitchen, home office...
Features to avoid
Busy street, older home, no yard...
Move-in date
Target date or flexibility range.
Nearby services
Daycare, hospital, grocery, parks...
Other requirements
Accessibility needs, pet-friendly, investment potential...
Take notes and photos of each property to make comparison easier
Visit each property multiple times, at different times of day
Focus on immutable aspects: location, structure, and size
Pay attention to the condition of key systems: roof, plumbing, electrical
Be alert to odors or signs of moisture
Research the neighbourhood and nearby amenities
Evaluate natural light and room layout
Assess the property's potential for future renovations or extensions
Inquire about monthly costs: taxes, condo fees, etc.
Trust your instincts while relying on facts and data
The sale of a property involves several steps and obligations. For the seller, one of these steps is to complete the "Declaration of the Seller of the Immovable" with the help of an accredited professional. This mandatory form, created by the OACIQ, aims to protect the parties involved.
It provides the buyer with information about the condition of the property and allows the seller to protect themselves against potential disputes.
I will guide you throughout the purchase process, including analyzing the property’s market value to ensure good value for your investment. My evaluation considers factors such as recent sales and listings in the area and the emotional significance of your purchase.
We will discuss all aspects of the purchase, not just financial, to ensure perfect harmony and a successful transaction.
The Promise to purchase is the legal document that formalizes your intention to buy a particular property. It will state the price offered, as well as any conditions relating to the purchase, such as the time required to obtain financing and carry out the property inspection, and any work you wish to include or exclude from the purchase. This is a crucial step, as it will have a significant impact on your purchase.
Accepted
The seller accepts your offer as-is. The sale can proceed according to the agreed conditions.
Counter-Offer
The seller makes a counter-proposal. You can accept, decline, or propose a new offer.
Refused
The seller declines the offer. You can choose another property or revisit your offer strategy.
Once the Promise to purchase has been accepted, we will begin a rigorous follow-up process with strict deadlines. Our collaboration will be key as I will follow up closely with your financial institution, the inspector and all those involved in the transaction, guiding you precisely every step of the way. Deadlines will have to be met, and reports provided to the seller. This requires impeccable teamwork.
An inspection is a professional, detailed evaluation of the general condition of a property carried out by a qualified, independent inspector. Its purpose is to provide the potential buyer with objective information about the property’s condition prior to purchase.
What Inspection Covers
The inspector evaluates the structure, foundation, roof, plumbing, electrical, ventilation, heating and cooling systems, and much more.
Inspection Report
After the visit, you will receive a detailed report on the property's condition, with issues found and recommendations for necessary repairs.
Post-Inspection Decision
Based on results, you can renegotiate the price, request repairs, or, in some cases, withdraw from the transaction if issues are too significant.
As a real estate broker, I can help you choose a competent notary with recommendations of reliable and experienced professionals. I can also give you information on notaries' fees, services and experience in real estate purchases. Additionally, I can attend your visit to the notary’s office to ensure that everything runs smoothly when the deed of sale is signed.
The notary is responsible for ensuring that all legal aspects of a property purchase are respected — checking ownership documents, preparing legal documents, ensuring terms and conditions are understood by all parties, registering documents and protecting the buyer against fraud.
When planning your downpayment, be sure to take into account any indirect costs and expenses you will have to pay, such as:
Schedule a private consultation and receive expert guidance tailored to your buying goals.