For buyers

Buying a home, one clear step at a time

A calm, staged walk through buying in the Greater Toronto Area. Scroll to the part you are at, and use only the tools and guides that matter right now. No jargon, just clear steps.

Questions as you read? Jay is one message away. WhatsApp Book a call

Thinking about it

The moment you are asking, can I actually do this?

Affordability calculatorSee the home price you can realistically afford, using Canada's real rules. Calculator Rent vs buy calculatorIs now the right time to buy at all? See the honest break-even year. Calculator First time buyer basicsThe whole journey in order, from getting ready to closing day. Guide First-time buyer benefits calculatorEvery 2026 program, split into cash before closing, at closing, and later. Calculator Tax savings for first-time buyers: FHSA, HBP, rebates and HST reliefSix programs, some stack, and when each dollar actually reaches you. Guide

Getting ready and financing

Working out what it will actually cost, month to month and up front.

Mortgage payment calculatorYour real monthly payment, with GTA property tax and condo fees. Calculator Land transfer tax calculatorOntario and Toronto land transfer tax, with first time buyer rebates. Calculator Mortgages and pre approval, explainedPre-qualification, pre-approval, and the stress test, in plain words. Guide

House hunting and offers

Viewing places, knowing what to look for, and making an offer.

What to look for at viewingsWhat to actually notice at a showing, before the formal inspection. Guide Making an offer, and conditions that protect youThe APS, the deposit, and the conditions that keep you safe. Guide The home inspectionWhat it checks, when to keep the condition, and what it really tells you. Guide

Closing

Your offer is accepted. Now to the finish line and the keys.

Closing costs, total cash to closeAdd up land transfer tax, legal fees and the rest, on the land transfer tax page. Calculator The Closing ChecklistEverything to have ready for closing day, so nothing catches you by surprise. Guide Your lawyer and title, what they doTitle, title insurance, adjustments, and closing day. Guide

After closing

You have the keys. Settling in, and thinking ahead.

Moving and utilities checklistAn ordered checklist so nothing slips between closing and your first night. Guide Your first year as a homeowner, and property taxHow property tax works, budgeting for upkeep, and what to keep. Guide

Prefer to browse everything?

Every free tool and guide in one place, any time.

Browse all calculatorsEvery free calculator, buyer and seller. Browse all guidesEvery plain language guide, free to read.

Jay Patel

REALTOR® · Greater Toronto Area

Wherever you are in the process, I am happy to help you read the numbers and think it through.

Message Jay Book a call