Before we begin working together, the first step on the journey is to find out how much you can afford. I recommend weighing up several options at this point in an effort to find the best deal. Contact your local bank or a mortgage broker and get an idea of how much you’ll get approved for and how much it will cost per month. Unsure of which mortgage broker is a fit for you? We’ll be happy to recommend one to you from our home buyers’ concierge team.

Pre-approvals work by analyzing your household income and how much of a down payment you’ll be committing to the home. Once you’ve weighed up the options on offer from banks/brokers, secure a “rate guarantee.” This secures the interest rate offered for up to 120 (depending on the bank involved) protecting you from any rate increases within this period. It’s worth mentioning that receiving a pre-approval from a financial institution does not always translate into a full approval. A valuable service provided by a realtor is to work with the bank/broker upon acceptance of an offer to help ensure unconditional approval is received.

The real fun begins once you’ve received pre-approval. We’ll sit down together and get to know each other and establish your priorities. Ultimately, the better I know you, the better I can serve you. I’ll work to understand what’s important to you and how I can best assist you in smoothly navigating this big life step.

I believe in a modern approach to real estate that stands in contrast to other realtors who have been doing things the same way for 25 years. We’ll use the latest cutting-edge tools and won’t leave a stone unturned in finding your dream home. The process starts by setting up an automated search that compiles suitable listings based on the criteria we created together.

Alongside this MLS search, I have access to private listings not available to the public through my extensive network of agents. To highlight the importance of this tool, 1 in 10 deals were bridged together through another Oakwyn agent in 2018. At this point, we’ve established a working relationship and it isn’t beneficial to contact other agents. This allows me to protect your interests and ensure your negotiation power is preserved. I’m happy to answer any queries you might have around this.

Once we’ve identified your dream home, viewed it and decided we want to proceed, it’s time to make the big decision - how much to offer? Don’t worry, we aren’t guessing here! We’ll look at recent comparable sales in the area before outlining the conditions and subjects we need to protect you. We will determine a deadline for the subjects to removed based on your needs, giving us the time we need to perform due diligence and confirm your financing options.

Please Note: In order for the sale to be firm and binding, all subjects will need to be waived or removed before completion. Unsure of what a subject is? A subject is a conditional clause that must be completed and fulfilled prior to closing. Subjects can include inspections, finance or review of strata documents. If one of the subjects can’t satisfactorily be met, the contract ends and there is no legal obligation to complete the purchase.

At this point, I will draft an offer that includes the subjects and clauses we deemed necessary to protect you as a buyer. This part of the process typically takes 1-2 weeks, culminating in the submission of a deposit (typically 5%).

Once all parties are satisfied and the subjects have been removed, we proceed to completion. You will meet with a lawyer/notary to transfer the ownership of the title. It’s at this point the mortgage is attached to the title, the final part of the down payment is due and the letter of title registration is received.