From your first showing to closing day — clear advice, sharp negotiation, and zero pressure.
Buying in Toronto is competitive, technical, and high-stakes. You need someone in your corner who understands all three.
Eight years in Toronto means I know which neighbourhoods are undervalued, which streets to avoid, and what’s actually worth a bidding war.
I’ll tell you when to push and when to walk away. No pressure to overbid, no rush to close on a place that isn’t right.
From pre-approval to closing day — mortgage brokers, inspectors, lawyers. I coordinate everyone so you don’t have to.
No surprises. Here’s exactly what we’ll do together, from our first call to handing you the keys.
We meet (in person or virtually) to talk through your goals, budget, must-haves, and timeline. No commitment, no pressure.
I’ll connect you with trusted Toronto mortgage brokers so you know your real budget before we start looking.
Curated listings sent daily, neighbourhood tours, and private showings. We see the homes that actually match, not the ones that don’t.
I analyze comparable sales and advise on a bid that gives you a real shot — without overpaying out of fear or losing out by underpricing.
Home inspection, status certificate review (for condos), lawyer review. Every box checked before you’re committed.
Keys in hand. I stay connected through closing and beyond — referrals for renovations, property tax appeals, whatever you need next.
Not all agents are the same. Here’s what you actually get.
See what you can afford. Real Toronto rates, taxes, and CMHC insurance baked in.
32-page guide covering financing, neighbourhoods, offers, and closing costs in Toronto.
Compare schools, transit, walk scores, and average prices across Toronto neighbourhoods.
Book a free, no-pressure call. We’ll talk through your goals and see if working together makes sense.
For homes under $500K, the minimum is 5%. Between $500K and $1M, it’s 5% on the first $500K and 10% on the rest. Over $1M, you need 20% minimum. Most Toronto homes cross the $1M mark, so plan accordingly — though there are first-time buyer programs that can help. We’ll talk through your specific numbers on our first call.
Ontario first-time buyers can claim a Land Transfer Tax rebate up to $4,000, plus the federal $1,500 Home Buyers’ Tax Credit. The Home Buyers’ Plan lets you withdraw up to $60K from your RRSP tax-free. I’ll walk you through what you qualify for on our first call.
Budget 2–4% of the purchase price for closing costs. The big ones: land transfer tax (Toronto has both provincial AND municipal — the steepest in Canada), legal fees ($1,500–2,500), title insurance, and adjustments for utilities and property tax. I’ll give you a precise estimate before you make an offer.
Yes — always. Pre-approval locks in your rate for 90–120 days and tells us your real budget. In a competitive market, sellers won’t take your offer seriously without it. I work with brokers who can pre-approve you in a few days.
Three things win bidding wars in Toronto: a clean offer (few conditions), a strong deposit, and the right price strategy. I analyze comparable sales going back 30–60 days and advise on a bid that gives you a real shot — without overpaying out of fear.
Sometimes — but rarely. In hot markets, sellers expect firm offers, but waiving inspection on a 60-year-old detached home is risky. I’ll often recommend a pre-offer inspection so you can bid firm with confidence. For condos, a status certificate review is non-negotiable.
Book a free, no-pressure call. We’ll talk through your goals and see if working together makes sense.
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