There are some things that should be done prior to starting your search, and if you’re like me, you want to be prepared and know exactly what you’re in for. That’s why I’ve created this checklist you can bring to your Realtor to ensure you are getting the most out of your home purchase, and no important steps are missed.


  1. MORTGAGE PRE-APPROVAL – I’ll talk about this again later in the home buying steps, but in short, it is very important for you to get a mortgage pre approval. This allows you to know what your maximum budget is – even if you don’t want to spend that much, it gives you a starting guideline. In addition, getting pre-approved for your mortgage gives you a leg up on the competition in the Toronto market – with the majority of listings these days getting multiple offers, being more flexible with financing conditions can help you stand out from the crowd.

  2. BUYER CONSULTATION– It’s important for your Realtor to sit down with you for a consultation before going out and showing you homes. They need to get a better idea of who you are, what you are looking for, and how they can help you achieve your dreams. It would be extremely difficult for your Realtor to do this effectively and efficiently if they don’t take the time in the beginning to consult with you.

  3. MARKET EDUCATION– This step is integral to making your home search a success. Although you may think you know exactly what you want, chances are you are still a little unsure of some of the details. In addition to being unsure, you may not be aware of the various neighborhoods in the city you are looking in, or how they differ in terms of housing type, style, and price. That’s where market education comes in by way of going out and viewing houses in different areas and price points - even if you're pretty set on where you want to live, this just gives you a better understanding of what's out there and may open your eyes to some things you may not have previously considered.

  4. CUSTOMIZED HOME BUYING STRATEGY – As you’ve probably heard, the Toronto real estate market can be tricky, and that’s why I always recommend having a customized home buying strategy to help you navigate. Each buyer is different, which means you shouldn’t have the same cookie cutter approach – goals, wants, needs, and deal breakers change for each individual, and to ensure you are getting the most out of your search, a customized strategy is highly recommended.


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She Sells Toronto Nicole Harrington Real Estate