WORK WITH ME

For Buyers

I’m here to help you…

Find the home you love

Buying a home in the West GTA may seem daunting, but you don’t have to do it alone. From the start of your search to the day you move in, I minimize stress, help you make informed choices – and find you a place you love.

Here’s what they had to say…

“★★★★★ Where do I begin! I had such an amazing experience trying to find my new home with Victoria. She made the experience so easy and fun! She gave us so many options and knew exactly what we were looking for. Matter of fact we closed in less than a month – amazing!! Will highly recommend Victoria to anyone!”

– nikki 

how it works...

THE BUYING PROCESS

01
Our first chat
This is where we get to know each other. I’ll tell you my approach, you tell me all about your goals and budget, and if you decide you want to work with me, we can get started right away!
02
Get your financing in place
Get pre-approved for a mortgage so you know how much you can afford. That way, when you find a place you love, you can move on it right away. I’m happy to refer you to a trusted mortgage broker.
03
Start your search

I take your must-haves and nice-to-haves and start hunting for a place you’ll love.  I send you listings and if there’s something you want to see, we go see it. And if you want to view a place I haven’t sent you, I can book a showing for that, too.

04
Make an offer
I guide you through the process, advise you on price and conditions based on a comparative analysis of recent sales, and communicate with the sellers’ agent.
05
Negotiate
If the seller comes back with a counteroffer, or there are multiple people bidding on the property, I’m in your corner every step of the way, relentlessly fighting to get you the best price and conditions.
06
Your Offer is Accepted
Once the sellers have said yes to your price and terms, you provide a deposit in the form of a bank draft, certified cheque or wire transfer within 24 hours.
07
Waiting period
This is when the contracts are all signed, but you haven’t taken possession yet. In this time, you can go for two more visits to see if everything is working, take measurements, decide where furniture should go, etc.
08
Closing Day
This is when you officially take ownership (yay)! Once all the legal documentation is complete and closing costs are paid, lawyers for both sides will transfer the title to you.
09
Enjoy Your Home!
And if there’s anything you need, from contractor recommendations to information on local schools, you can call me anytime.

Must-Have Guide!

Buyer's Guide
Everything you need to know about buying a property in the West GTA – whether you’re a first timer or a real estate veteran.

Why I am different…

I’m not your average real estate agent

With a strong background in marketing, an unparalleled understanding of the market, and a no-pressure approach that’s about enabling your success, you won’t find anyone else with my mix of skill, knowledge and marketing know-how. When you work with me, here’s what you can expect:

Set up a no-obligation
property search

Just fill out the form to let me know what you’re looking for and where, and I’ll set up a search that will send available listings that meet your needs right to your inbox.

Already know what you want? Let's see some properties together!

Scheduling a viewing appointment with me is the first step towards discovering the perfect property that matches your unique preferences and needs.

Here's what to expect:

I’ll tailor your viewing experience to ensure it aligns perfectly with your vision.
Count on me to provide insights, answer questions, and help you make informed decisions.
Explore properties in the neighborhoods that matter most to you.
Choose a time that suits your busy life, and I’ll be there.

Schedule your viewing appointment with me today and let’s find you a place to call home! 🏡🔑

Learn more...

About Buying Real Estate

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Got Questions?

About Buying Real Estate?

Whether you should buy a condo or a house in the Greater Toronto Area (GTA) depends on your individual needs, preferences, and financial situation. Here are some key considerations to help you make an informed decision:

 

1. Budget: One of the primary factors to consider is your budget. Condos in the GTA tend to be more affordable than houses, both in terms of the purchase price and ongoing maintenance costs. Houses, especially detached ones, generally come with a higher price tag.

 

2. Space Requirements: Evaluate how much space you need. Condos are typically more compact and suitable for individuals, couples, or small families looking for a lower-maintenance lifestyle. Houses, on the other hand, offer more space, both indoors and outdoors, which can be ideal for larger families or those who value privacy and a yard.

 

3. Maintenance: Condos often have lower maintenance requirements since exterior upkeep and common area maintenance are typically handled by the condo corporation. Houses, especially older ones, may require more maintenance and ongoing expenses for repairs and landscaping.

 

4. Lifestyle: Consider your lifestyle and preferences. Condo living can offer amenities like fitness centers, pools, and security, which can be convenient. Houses provide more autonomy and the opportunity for customization but may require more effort in terms of maintenance.

 

5. Location: Think about where you want to live in the GTA. Condos are often found in urban areas with easy access to public transportation and amenities. Houses are more commonly found in suburban or less densely populated areas, which may involve longer commutes but offer more spacious surroundings.

 

6. Investment: Consider your real estate investment goals. Condos can be easier to rent out due to their lower price point, making them attractive for investors. Houses, particularly in sought-after neighborhoods, may appreciate more in value over time.

 

7. Future Plans: Think about your long-term plans. If you anticipate needing more space for a growing family, a house might be a better choice. If you value a low-maintenance lifestyle or plan to downsize in the future, a condo could be a good fit.

 

8. Financial Flexibility: Review your financial situation and future outlook. Owning a house often involves higher upfront costs and ongoing expenses, while condos may offer a more manageable financial commitment.

Ultimately, the decision between buying a condo or a house in the GTA comes down to your specific needs, financial capacity, and lifestyle preferences. It’s important to work closely with a knowledgeable real estate agent who can help you explore available options and make the choice that aligns with your goals. If you’d like personalized guidance or have more questions, please feel free to contact me for a consultation tailored to your situation.

The rate at which older homes appreciate in value compared to new homes can vary depending on a variety of factors, including location, condition, and market trends. Here are 3 top key considerations:

 

1. Location: Location is a critical factor in real estate appreciation. In some cases, older homes in well-established, desirable neighborhoods with limited available land may appreciate at a similar or even higher rate than new homes. The value of an older home can be tied to its proximity to amenities, schools, parks, and the overall appeal of the neighborhood.

 

2. Historical and Architectural Significance: Older homes with historical or unique architectural features may have a competitive advantage when it comes to appreciation. Buyers who appreciate historical charm and craftsmanship may be willing to pay a premium for such properties.

 

3. Renovations and Upkeep: The rate of appreciation for an older home can be influenced by the extent of renovations and upkeep performed by the owner. Homes that have been well-maintained and updated over the years are more likely to appreciate at a steady rate.

In Ontario, Canada, the credit score required to qualify for a mortgage typically depends on the lender and the specific mortgage product you’re applying for. However, a good rule of thumb is that a credit score of 680 or higher is generally considered a minimum for mortgage approval. To ensure your credit score is good and improve your chances of qualifying for a mortgage, here’s what you can do:

 

1. Check Your Credit Report: Start by obtaining a copy of your credit report from one of the major credit bureaus in Canada, such as Equifax or TransUnion. Review it carefully for any errors or discrepancies that may be affecting your score. Dispute and correct any inaccuracies you find.

 

2. Pay Your Bills on Time: Payment history is a significant factor in your credit score. Ensure that you pay all your bills, including credit cards, loans, and utility bills, on time every month. Set up automatic payments or reminders to avoid late payments.

 

3. Reduce Outstanding Debt: High credit card balances and outstanding loans can negatively impact your credit score. Aim to pay down your credit card balances and other debts to reduce your credit utilization ratio, which is the amount of credit you’re using compared to your credit limit.

 

4. Avoid Opening New Credit Accounts: Each time you apply for a new credit card or loan, it can result in a hard inquiry on your credit report, which can temporarily lower your score. Limit new credit applications while you’re preparing to apply for a mortgage.

 

5. Keep Old Credit Accounts Open: The length of your credit history matters. Closing old credit accounts can shorten your credit history, potentially lowering your score. Keep older accounts open to demonstrate a longer credit history.

 

6. Diversify Your Credit Mix: Having a mix of different types of credit, such as credit cards, installment loans, and retail accounts, can positively impact your credit score. However, only open new accounts when it makes financial sense for you.

 

7. Don’t Max Out Your Credit Cards: Try to keep your credit card balances well below your credit limits. Maxing out your credit cards can significantly hurt your credit score.

 

8. Be Patient: Improving your credit score takes time. Positive changes in your credit behavior will gradually boost your score. Be consistent and patient in your efforts.

 

9. Work with a Credit Counselor: If you’re struggling with credit issues, consider seeking assistance from a credit counselor or financial advisor. They can provide guidance on managing your debts and improving your credit.

 

10. Plan Ahead: If you’re considering buying a home, start working on your credit well in advance. It may take several months to see substantial improvements in your score.

 

Remember that different lenders may have varying credit score requirements, so it’s essential to shop around and find a lender that’s the right fit for your credit profile. Additionally, consulting with a mortgage broker or financial advisor can help you understand your specific credit situation and provide guidance on how to improve it for mortgage qualification.  I can recommend partners who can offer you advice and determine your qualification potential. 

In Ontario, Canada, there are several steps and requirements to consider when buying a condo or a house. Here’s a general overview of the process and the key requirements:

1. Determine Your Budget:

Before you start shopping for a condo or house, assess your financial situation and determine your budget. Consider factors such as your down payment, monthly mortgage payments, closing costs, and ongoing homeownership expenses.

2. Get Pre-Approved for a Mortgage:

It’s advisable to get pre-approved for a mortgage from a lender or a mortgage broker. This process involves submitting your financial information for evaluation to determine the amount you can borrow and your qualification requirements. See the question on credit score requirements that can also shed some light on what lenders are looking for. 

3. Start Your Home Search:

Once you have a budget and mortgage pre-approval, begin searching for condos or houses that meet your criteria, such as location, size, and amenities. I would be happy to help you find suitable properties.   Contact me when you are ready!

4. Make an Offer:

When you find a property you want to purchase, you’ll need to make an offer to the seller. Your real estate agent can assist in negotiating the terms and conditions of the offer, including the purchase price.

5. Conduct a Home Inspection:

It’s highly recommended to arrange a professional home inspection to assess the condition of the property. This step is particularly important for older homes to identify any potential issues.

6. Secure Financing:

Finalize your mortgage arrangements with your chosen lender. Ensure that you provide all necessary financial documentation and meet any lender requirements.

7. Complete the Purchase Agreement:

Once your offer is accepted, you’ll need to complete a purchase agreement that outlines the terms and conditions of the sale. This agreement typically includes a timeline for fulfilling conditions such as financing approval and home inspection.

8. Closing the Sale:

The closing process involves transferring ownership of the property. It includes tasks such as finalizing your mortgage, obtaining title insurance, and arranging for payment of closing costs.

9. Pay Land Transfer Tax:

In Ontario, you may be required to pay a land transfer tax when buying a property. The amount depends on the purchase price and other factors. First-time buyers may be eligible for a land transfer tax rebate.

10. Register the Property:
The property must be registered in your name with the provincial land registry office. Your lawyer will handle this process.

11. Get Home Insurance:
– Home insurance is essential to protect your property against unforeseen events. You’ll need to secure a home insurance policy before taking possession of the property.

12. Take Possession:
– Once all conditions are met, you’ll receive the keys to your new condo or house and take possession.

13. Ongoing Responsibilities:
– As a homeowner, you’ll have ongoing responsibilities such as paying property taxes, utility bills, and maintenance costs.

14. Condo-Specific Requirements (for Condo Buyers):
– If you’re buying a condo, you’ll need to review and understand the condo corporation’s rules, bylaws, and financial status. Condo ownership also involves paying monthly condo fees.

Throughout the process, it’s essential to work with professionals such as a real estate agent, a real estate lawyer, and a mortgage advisor to ensure a smooth and legally sound transaction. The specific requirements and steps may vary depending on the type of property and municipality, so it’s important to seek expert guidance tailored to your situation.

Ask Anything

Have a question?  Your Questions, My Answers: Get Expert Solutions Here! No question is too short or too silly.  Ask Anything, and I’ll Provide the response You Seek. Get Knowledge and Assistance at Your Fingertips.


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