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I will check the history of the property being purchased including the title search, any disclosure documents and the history with the municipality. I will help you pre-qualify for financing by connecting you with top mortgage brokers in the industry with a proven track record of obtaining top rate financing. I will notify you of and show you listings that meet your needs and budget before they are publicly available on MLS. I will also notify you of private listings and foreclosures which are not publicly available. I will personally show you all homes that meet your short-list of criteria until we find the home that is right for you! I will connect with you several qualified home inspection services and be there in person on inspection day to walk you through any potential issues. I will write the formal offer on the home of your choice and negotiate professionally and with years of experience, until the deal is done at the best price and terms. Your dealings with a Realtor are insured, protecting you from liability. Overall, I will work diligently to guide you through the process from start to finish and will utilize my market knowledge and experience to help you achieve your dream of owning a home. Costs to Buying a Home Home Appraisal Fee. Your mortgage lender may require that the property be appraised at your expense; the cost is usually between $350 and $600. Deposit. The deposit is usually 5% of the purchase price, but it can depend on the terms of the agreement. The deposit is part of your down payment. Down Payment. At least 5% of the purchase price is usually required for a high-ratio mortgage and at least 20% of the purchase price is usually required for a conventional mortgage. Home Inspection Fee. A home inspection is a report on the condition of the home and usually costs around $300 to $700. Mortgage Loan Insurance Premium. If you put less than a 20% down payment, you may need mortgage loan insurance. Contact your mortgage broker for details. Property Transfer Tax First time home buyers are still exempt from paying PTT for purchases up to $475,000. In BC the cost of the PTT is 1% of the first $200,000 plus 2% of the balance of the purchase price. All buyers (whether first time buyers or not) no longer pay PTT on purchases of NEW homes up to $750,000 in value; note the buyer must be a Canadian citizen or a permanent resident; there is a partial exemption for homes between $750,000.00 and $800,000.00. There is also a 3% tax on amounts over $2,000,000.00. The 3% tax is only paid on the amount over $2,000,000.00, not the full price. Prepaid Property Taxes and/or Utility Bills. These adjustments are made on closing to reimburse the seller for pre-paid costs such as property taxes, utility bills etc. Property Insurance. This is required by the mortgage lender. The specifics of your insurance policy will be dependent on your home and your specific needs. Property insurance is annual recurring cost and must be in place on closing day. Legal Fees and Disbursements. Generally, legal costs range from approximately $700 to $1100 plus disbursements, depending on which lawyer/notary you choose.