A young couple loved a condo at the top of their budget. On the visit, I noticed the window glazing units were no longer sealed and explained what replacement would cost. They moved on before paying for an inspection on a property they could not have afforded to fix.
Buyers
Buy the home that fits your life and your ten-year plan.
First home, next home or condo, in Montreal, Laval, the West Island and the South Shore. I help you find a price you can live with and a building you understand before you sign.
Where are you in your purchase?
Four common starting points
Your first home
Find the number you can live with, not just the one the bank approves. Your first home is often the first rung, not the final answer, so we choose one that sets up the next step.
Your next home
Moving up, moving closer to family or needing more space. When you also have a home to sell, we plan both sides so the dates and the money line up.
A condo
The building matters as much as the unit. Before you commit, I look at the declaration of co-ownership, the minutes of meetings, the contingency fund and the condition of the common areas. Low fees are not always low cost.
New to Quebec, or buying on your own
I explain the Quebec process step by step: the promise to purchase, the seller's declarations, the notary and the welcome tax. Buying alone means one income carries everything, so we build in a real margin.
How I work with every buyer
Six steps, in this order
- Preapproval firstWith a mortgage broker you trust. I can refer you to one.
- Your life and your financesCommute, routine, and the monthly amount that feels comfortable.
- The ten-year questionWhere do you want to be in ten years?
- A search planBudget, area, must-haves and what you won't accept, so we visit the right properties instead of more of them.
- The building readOn every visit I look at materials, windows, signs of water and structure, and tell you what I see before you pay for an inspection.
- A clear offerPrice, conditions, dates and inclusions written down while everyone is still negotiating.
What owning really costs
Approved and comfortable are different numbers
Owning costs more than the mortgage and taxes. Plan for these before you choose a price range:
- Down payment
- Notary fees
- Welcome tax
- Inspection
- Moving
- Tax adjustments
- Repairs after possession
I regularly talk buyers down from their approval amount.
A result
The window that saved an inspection fee
Next step
Planning to buy?
Tell me what you're looking for, the area and your timeline. On Instagram, you can also DM me GUIDE.
Send me a messageor call 514-473-0037