The reasons for buying property are the foundation of your buying plan. Discussing your needs with your real estate agent is a crucial step before even starting the process.
My team can help you create a list of the factors important to you and determine your individual needs such as locality, price, type of property, number of bedrooms, surroundings, public utilities, …This step is essential in leading your search.
For first time homebuyers, it can seem like an overwhelming process, especially to determine the right location to meet your needs and budget. My team and I are here to guide you each step of the way and find the right fit for your profile.
Once you have analyzed your individual needs, my team and I will work with you to create a specific plan targeted to your needs. Whether you are a first-time homebuyer or investor, I target my services to your personal profile and needs assessment.
If you are moving or looking to invest in another area or province, I will be able to refer you to a professional broker in the area of interest.
Once your offer is accepted, I will continue to guide you with the process – even after you become the new owner. My job as your realtor is not a specified time frame but rather a long-term relationship in which I am always available for guidance and follow up.
Important steps following an accepted offer that include the inspection, professional consultations/estimates, the notary, and the move are all important steps in which I will be by your side.
- Deposit to accompany Offer to Purchase
- Tax redistribution and refunds:Refunds are calculated from the date of the signing of the deed of sale. You are responsible for reimbursing the seller for the number of days paid to date:
- Municipal taxes
- School taxes
- Heating oil tank :The seller is required to have the tank filled on the day of the signing of the deed of sale and submit the invoice to the notary for reimbursement in full by the buyer.
- Electricity meter (Hydro Québec)The buyer and the seller must notify Hydro Québec of the date the property is scheduled to change hands, have the meter read, and ensure that all amounts owing are properly allocated.
- Homeowner insurance :Upon signing of the deed of sale, you must present proof that you have contracted homeowner’s insurance in an amount equal to or greater than the mortgage on the property.
- Land transfer or welcome tax : The municipality in which you settle will bill you within four (4) to six (6) months of the signing of the deed of sale in an amount based upon the selling price and scaled as follows:
- 0.50 % of amounts up to $50,000
- 1.00 % of amounts between $50,000 and $250,000
- 1.50 % of amounts exceeding $250,000
- Moving, painting, interior and exterior decoration, etc.