We assist buyers with steps to take prior to considering a home purchase, help them understand market conditions and home values, while finally negotiating the best possible solution for them.
The first question you’re bound to ask is, “How much home can I afford?” That depends on a number of factors:
1. Your selected location. Are you set on a specific area? Downtown? The suburbs? A rural setting?
2. Your preferred type of home. Detached? Semi? Duplex? High-rise? Link? Townhouse? New or Resale? There are a variety of home styles you will want to explore.
3. Your income. After all, it’s not just the mortgage you have to take into account. There are property taxes, utilities, and in some cases condo or strata fees. As a general rule of thumb, your monthly home-carrying cost should not exceed 30-35% of your income.
4. Market conditions. Is it a buyer’s, sellers or balanced market?
There are also additional costs to keep in mind. It’s a good idea to work out exactly what you want and what you can afford before you begin the search. Be specific! After all, you don’t want to suddenly come to the realization that your dream house has come with a nightmare of bills and expenses. Stick to looking at houses in your price range. The more you’ve thought it out, the better we can meet your needs.
A part of deciding just what you can afford can be accomplished by meeting with your bank or a mortgage broker and negotiating a pre-approved mortgage. There are many types of mortgages and many different terms. Research all of your options. This ensures that there are no surprises once you’re ready to make an offer.
Once you’ve figured out your monthly expenses and what you can afford, you can start your search. It could happen that the first home you see is the one you want; or you might look at home after home with none of them catching your interest. Rest assured, the home you’re looking for is out there, and when you find it, you’re ready to make an offer. If your offer is accepted, the next steps are closing and moving into your new home.
Purchasing a home is easy once you put your plans into action.
Lorna was a very pleasant and friendly person to deal with. She was enthusiastic about selling our place. She took time to explain everything to us before we listed with her and she was always patient when answering our questions. She had a clear marketing plan for selling our house based on her proven success record. ... MoreJoan C.
John has been our realtor for close to twenty years. We have found John to be extremely knowledgeable about the local market. He does his homework, and as a native of Guelph, he knows the region inside and out. He has a good working relationship with other local realtors, developers and tradespeople. In fact, when we w... MoreKate and Daryl
I have over the last number of years dealt with John Clark on numerous real estate matters. John has that rare combination of being both very personable and professional with his clients. Moreover he is quite competent in the intricacies of real estate matters. Every real estate matter is different and yet he is ... MoreJohn
We worked with Collette to purchase our first house. We were moving from our condo in Toronto. which sometimes made things difficult in the process. Collette was very flexible with showings and worked around our schedule when we could be in town. We had purchased a condo before but never a house. Collette was always re... MoreMandy and Rory M.
We have found John Clark and his team to be very professional and straight up. They are driven to get results and at the same time are also very detail oriented. We have referred them to friends who like us have had a high end experience. MoreDavid H.
With-out a doubt I would strongly recommend Collette Aeschlimann as your real estate agent. It was Collette that truly gave us the feeling of a good personality fit. Her warmth and honesty was hands down the selling factor of why we chose her. She worked with us for one year of looking and bidding on many houses. The 3... MoreBruce and Nancy K.
I was surprised and very pleased with the excellent service that Collette provided in helping me buy my first home. I work in the real estate industry and possessed certain biases before purchasing my home. I was humbled with the insight, expertise, and knowledge that Collette provided. For my purchase in particular, C... MoreBranden P.
I have obtained John Clark as my realtor for many years. He has provided excellent and HONEST service. Just recently he sold my parents home and he went above and beyond his duty as a realtor. He even helped my elderly Father shovel the driveway one day when he was over to the house. I would highly recommend John Clark... MoreRhonda B.
John, thank you very much for the superb level of service that you provided in selling our home. You did a fantastic job! We really appreciate the care you took in explaining everything to us, and your very honest and straight-forward approach. You were obviously on top of everything from start to finish and always kep... MoreScott & Peter M.
Our first experience with Collette was amazing! She genuinely cares about you as a person and finding you a home that suits your specific needs. We must have went through 20-25 homes before we found the perfect fit. My favourite part of the experience was Collettes honesty. She would let you know if the home was overpr... MoreJay M.
Our experience with Collette was excellent. I was a first time home buyer and Collette took the time to explain all aspects of buying your first home. She came to countless house showings and was very flexible in working with my schedule. Collette was very personable and knowledgeable throughout the whole process. I wi... MoreJenna T.
Lorna was the perfect agent for my fiancée and I. She had worked with my fiancée in the past (long ago) and he knew she would be the right fit for us. Lorna has a keen sense about her clients. Is able to quickly determine what is right or not right for her clients and even offers suggestions that we didn't think of w... MoreAnne A.
John has managed several real estate transactions for us over a number of years and we have always been very happy with his level of professionalism, honesty and integrity. His knowledge and vast experience of the industry and market ensured that we were well represented. We have also referred friends and family to him... MoreGarry and Melissa
We have turned to the expertise and thoroughness of John Clark from Royal Lepage Realty multiple times for both residential and commercial real estate purchases. We wouldn’t put our trust in anyone else after seeing firsthand the level of professionalism and courtesy of Mr Clark. MoreRon
Our experience with Collette was a very positive one. Collette is well researched, knows her area very well, and has a firm grasp of real estate law. She is not pushy and never overbearing. She will take the time to find you a home that meets with your expectations and preferences and takes pride in finding the right h... MoreAlayne and Jesse T.
John is an excellent realtor. John has helped us immensely over the years. Before purchasing our first home he was patient in showing us several different properties until we found our perfect house. 6 years (and four kids later) he helped us find a bigger forever home. John not only listed our home within hours of our... MoreGreg and Kelly
I worked with Collette to sell my condo and purchase our current home. Collette made the transactions seamless and efficient. She is very knowledgeable in the competitive marketplace, valuations, marketing and at all times exudes professional conduct. She makes selling and/or buying a positive experience. I have recomm... MoreMeagan and Jason S.
In the last 5 years I have bought several homes with Lorna. She is one of the most honest and ethical people I have ever met. What a great combination to find in an agent ! She has the experience and support staff needed in this highly competitive market. I have and will continue to recommend Lorna! MoreTara O.
I have known John Clark for 11 years over which time he has helped me purchase four homes and sell three homes. I was referred to John through a family friend and I am so glad that I was able to have John by my side throughout these events in my life to help guide me in making the right choices in real estate. John is ... MoreHeather and Roger
John Clark has provided exceptional service for our real estate needs over the past few years. His professional approach and quick responses to any questions or issues that arise make the process seamless. John’s many years of experience in the business are a tremendous asset to have on our side. MoreJim T.