Pat and Elspeth know Greater Toronto intimately. They understand the school, districts, and community service systems. They know which schools service specific neighbourhoods. For example,  Pat and Elspeth will provide you with an excellent introduction to each community; they may, in fact, make your venture a whole lot of fun!

Each neighbourhood is a community unto itself, independent, but connected, an oasis amidst the sprawling activity of the greater city. The experience of buying a home and moving to a specific area should include the benefits of a qualified agent. When you have the help of a professional who understands the area and local market, how can you go wrong?

Buyers Agency Agreement –  Understanding the agency agreement

How much are you willing to pay? RRSP withdrawal Link to mortgage calculator Qualify for financing How does my basement apartment affect     our ability to pay Pre-approved interest rate Additional Costs

Let's go looking – “We help you get the right information for the right decision” Local Realtor .com Get educated Determining value     - Comparisons     - Together we determine value     - Neighbourhood     - Schools / Transportation     - Community

Make an offer Price / Initial deposit. / Financial arrangements / Inspection, Financing Conditions: Any or all of the following Inclusions / Exclusions Irrevocable date Closing / Possession date Title search Signature under seal

Plan your move

Closing Meet with lawyer 1. One week prior 2. Sign papers 3. Insure mortgage is arranged 4. Closing costs

Move Day