Buying your first home can feel overwhelming. Breaking the process into clear steps makes it manageable.
1. Get pre-approved
Talk to a mortgage professional early. Pre-approval clarifies your budget and strengthens your offer.
2. Define must-haves vs nice-to-haves
Decide which features are non-negotiable (bedrooms, commute, schools) and where you can be flexible.
3. Tour with purpose
Visit homes with a checklist. Note layout, natural light, storage, and any red flags for inspection.
4. Understand closing costs
Budget for land transfer tax, legal fees, inspection, and moving. First-time buyers may qualify for rebates — ask your lawyer.
Working with a buyer's agent who knows your target neighbourhoods can save time and stress.