Step 1 – Start Looking

• Obtain pre-approved financing at your financial institution
• Arrange deposit/down-payment for buying your home
• I will provide you with MLS listings

Remember – I can show you any house, anytime, that is anywhere! Even if a home is listed with another agent OR company, I can show it to you.

Step 2 – Make An Offer

• Writing up an offer containing conditions to protect you and address all of your concerns and needs
• I will assist you in how much to offer and I will negotiate on your behalf to get the best deal possible
• Conditions – I will ensure any conditions are met
• Deposit is in place
• Possession date

Step 3 – Conditional Sale of Home

• Get mortgage approved/ financing in place
• Inspections and removal of conditions
• PCDS – The PCDS is a form completed by the seller, disclosing any known defects
• I’m here for you! I will looks after all of these details on your behalf. It’s my responsibility to make this as smooth as possible for you.

Step 4 – Sold – Your New Home Awaits!

• Meet with your lawyer to sign papers
• Meet with your mortgage broker to sign papers
• Arrange utility hook up
• Arrange movers
• Take possession of your new home!

What About Costs? 

What costs should I be aware of before purchasing my dream home? I have included a list of fees that you typically encounter when purchasing a home. Please keep in mind that these are approximate values meant to give you an outline.

• Deposit– The amount required when you write an offer (typically $5,000 – $10,000)
• Down Payment – Total cash required depending on mortgage amount
• Inspection Fee – These are optional and at your discretion (typically $500)
• Legal Fees – Title registration, mortgage registrations and lawyer fees (typically $1,000- $3,000)
• Appraisal/ Mortgage/ CMHC – typically $400
• Commissions – As a buyer you pay zero commissions. The seller pays all commissions.
• Insurance  – You are required to have insurance in place prior to possession. Depending upon policy (typically $600 – $1,500)
• Utilities – Installation, connection and deposit fees for: SaskTel, SaskEnergy, SaskPower, City of Saskatoon, Shaw Cable, etc.
• Condo Fees – You are responsible for Condo Fees starting the month you take possession.
• GST – There may be GST applicable on newly constructed homes, land, or commercial real estate.