Time to Buy

If you are considering buying a home, you have come to the right place. This is a big decision, which can feel quite emotional and daunting. It is important to remember that while this is an exciting adventure, it is also a business decision.

There are many steps to take and each is as important as the last. I will take each step with you in this process. It is extremely important to consider all of the factors in the purchase of your new home.



Oh the dreaded subject! This is the time to be ruthlessly honest with yourself. What do you want and what can you afford. Your investment will be most beneficial to you if you do it with realism.

We will create a budget together based on knowing all of the costs involved in buying a home, including all of the little things that often get missed. The main home buying expenses are the down payment, the mortgage and the completion costs. Current interest rates may also affect the amount you can afford. We will work closely with a mortgage expert to make sure that this process is seamless.

The next step is pre-qualification which can be done in person, over the phone or online. Knowing what you can afford will lead you in toward the right home. Pre- approval will also give you more leverage, as sellers will see you as a serious buyer.


No surprises:

It is very important to factor in all the additional costs:

  • Legal/notary fees
  • Home inspection
  • Home insurance
  • Property transfer tax (ppt) (1% on first $200,000 plus 2% on the balance of the purchase price)
  • Adjustments for water rates and property taxes
  • HST
  • Maintenance fees
  • Utility hook ups
  • Moving expenses

Being prepared will make this process stress free.


Needs vs. Wants:

This is a discovery process where we will review your needs, desires and wishes for your future property. There are no right or wrong answers here, just pure discovery. You may be surprised at what you come up with. In this way we will be sure to be viewing the right properties, in the best neighborhoods, at the best price.

“The Greatest Discoveries have come from people who have looked at a standard situation and seen it differently.”
~Ira Erwin



Where do you want to live? What are the factors that attract you to an area? Are there amenities and developments being built nearby? Is the area growing? What is the average income in the area? What is the forecasted economic growth for the area? Remember to always keep an open mind! There are amazing opportunities for those who have vision and creative ideas!


How I can help you?

This is a journey and we are embarking and understanding this is the first step. I will be with you all the way and make sure that no steps are missed.

  • We will determine your price range based on the needs vs. wants discovery.
  • We will compare homes and ask the right questions about the community.
  • I will give you informed feedback on the mortgage process and point you towards mortgage experts that can assist.
  • I will give you access to information and features of the MLS.
  • I will research and preview homes, weeding out the ones that are inappropriate.
  • I will make appointments and accompany you in the viewings.
  • I will provide you with all of the contacts that may be required: lawyer, mortgage broker, home inspector.
  • I will negotiate on your behalf during the buying process to ensure that your interests are being met.
  • When the right home has been found, I will write up a legally binding contract.


Now the fun can begin!

Once you have been pre-qualified for your mortgage and we have found the home you want ~ we will then write an offer!

I will work with you through all the specifications of the transaction (items you want included or excluded in the home or property, subject clauses to added and deadline). I will negotiate the very best price and outcome possible.

I will be at your side through each step of this process from pre-qualification, down payment, mortgage to writing the offer and closing the deal. And then celebration!

Karen Hutton

Cell: 604-220-7447

Office: 604-922-6995


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