Buyer's Guide

Your broker will support you through every one of these steps to ensure a smooth, seamless process.

• — I support you at every step, from finding your ideal property through to closing the transaction.
• — I advise you with professionalism, always keeping your preferences in mind.
• — I offer you an objective, informed perspective on every situation and the options available to you.
• — I give you access to the most recent listings in your area.
• — I analyze your needs with precision to propose solutions suited to your reality.
• — I accompany you in a structured way at every visit to help you make informed decisions.
• — I maintain rigorous follow-up with the other professionals involved in the transaction.
• — I assess the risks and advantages of each property or option available to you.
• — I manage the unexpected, when it arises, and propose concrete solutions to keep things moving smoothly.
• — I do everything possible to optimize results and maximize your satisfaction.
• — I assist you with every contractual, logistical, and administrative aspect of your purchase.

The role of the real estate broker representing the buyer

• — Represent and defend your interests.
• — Advise you based on your specific needs and criteria.
• — Select properties to visit according to your criteria.
• — Conduct the appropriate market study to advise you on the price to offer in the promise to purchase or counter-proposal.
• — Complete the required legal documents, including the promise to purchase, counter-proposal, and official forms.
• — Present the seller and their broker with a promise to purchase or counter-proposal that reflects your intentions.
• — Guide you through the key aspects of your transaction (financing, inspection, etc.) to give you a purchase experience that meets your expectations.
• — Ensure your interests are protected and considered throughout the transaction.
• — Negotiate the price and purchase conditions on your behalf to secure a favorable agreement.

Obtaining a mortgage pre-approval will be essential to carrying out your transaction successfully. While optional, pre-approval offers several advantages.

• — Define the maximum property value you can consider based on your borrowing capacity, down payment, and credit.
• — Lock in and secure a mortgage rate to avoid rate increases that could affect your mortgage payments.
• — Demonstrate your seriousness as a potential buyer, especially in a multiple-offer situation.

Depending on your situation, I will recommend a banking institution or a mortgage broker to meet your needs.

What is this form, and why does it matter so much?

Selling a property involves several steps and obligations. For the seller, one of them is completing the "Seller's Declaration" form (or "SD form") with the help of a licensed professional. This mandatory form, created by the OACIQ, is designed to protect everyone involved. It gives the buyer information on the condition of the property and helps protect the seller against potential future disputes.

Source: oaciq.com/fr/articles/le-cv-de-la-propriete

What is it?

A comparative market analysis makes it possible to objectively assess a property's value based on concrete data.

This is an essential step in the buying process, which I handle with rigor and care to guide you toward a fair, well-considered investment. To do this, I take several factors into account, such as properties recently sold or currently for sale in the area.

Every element is analyzed in detail to protect your purchase, while also recognizing that choosing a property involves emotional considerations too. Buying a home isn't just a financial decision — it's also a matter of the heart.

The promise to purchase is a legal document that formalizes your intent to buy a property. It specifies the price offered and the conditions tied to the transaction, such as the timeframe required to secure financing, complete the inspection, or work to be included or excluded. This step is crucial, as it will have a significant impact on your purchase.

After the promise to purchase, three outcomes are possible

Once the promise to purchase is accepted, it's time to begin a rigorous follow-up process, paced by specific deadlines. Collaboration between all parties becomes essential. I'll coordinate with your financial institution, the inspector, and other parties involved, guiding you closely at every step. Certain deadlines will need to be met, and updates will need to be provided to the seller. This is where our teamwork truly matters.

Source: ratehub.ca/processus-approbation-pret-hypothecaire

The inspection is a detailed assessment of a property's overall condition, carried out by a qualified, independent inspector. Its purpose is to give the potential buyer objective information on the condition of the property before the purchase.

The inspector uses specialized tools to identify current or potential issues, and the inspection results help potential buyers understand the costs and risks associated with purchasing the property. The inspection report can also provide grounds for negotiating the price or requesting repairs before closing the sale.

I'll assess every important aspect and, together, we'll be able to judge the impact each one will have on value. I can also put together a detailed timeline profile to help you plan for expenses you'll need to make once you own the property.

Some details

Your appointment with the notary

As your real estate broker, I can help you choose a competent notary by recommending reliable, experienced professionals. I can also provide information on fees, services offered, and notaries' experience with real estate purchases. If needed, I'll accompany you to your notary appointment to make sure everything goes smoothly when signing the deed of sale.

The notary is responsible for ensuring every legal aspect of the property purchase is respected. They verify the property title, prepare the legal documents, make sure the terms of the transaction are understood by all parties, complete the registration, and protect the buyer against any form of fraud. In short, their role is to guarantee the purchase happens legally and securely.

You will need:

• — Two pieces of identification
• — A chequebook (check with your notary for exact amounts)
• — Proof of home insurance

I'll be there to support you and ensure the process goes smoothly.

Beyond your down payment, you should plan for expenses tied to acquiring the property. These costs can vary depending on the situation, but should be factored in to build a realistic budget.

These costs vary depending on: