First property: why the strategy starts before the research

Buying your first home is exciting… but also full of potential traps. Reaching out to me even before you start searching gives you a decisive edge.

1. Know exactly how much you can borrow

Before you fall in love with a property, we clarify:

• Your real borrowing capacity (not just an “approx.” online figure)
• Your total budget: down payment, closing costs, taxes, adjustments
• The impact of your current debts on your approval

Result: you immediately target the right properties, in the right price range.

2. Get a solid prequalification

I help you:

• Structure your file (income, employment, credit, debts)
• Optimize your profile even before you see the bank
• Understand what lenders will look at (GDS/TDS, stability, ratios, etc.)

You avoid surprises after making an offer to purchase.

3. Gain negotiation power

With a well-prepared prequalification or preapproval:

• Your offer is more credible in the eyes of sellers
• You can move faster in a competitive market
• You are better positioned to negotiate the price or terms

A ready file = a serious buyer.

4. Choose the right down payment strategy

We analyze together:

• Minimum vs higher down payment
• Possible use of the RRSP/TFSA
• Impact on your monthly payments and loan insurance

You make an informed decision, tailored to your reality (not generic advice).

5. Prevent costly mistakes

Starting without preparation can cost you:

• A mortgage application being rejected by the bank
• Delays that derail a transaction
• Unforeseen fees that eat into your down payment

My role is to help you avoid these situations… before it’s too late.

In summary

Contacting me BEFORE you start your search is:

• Saving time
• Avoiding disappointments
• Negotiating better
• Buying with confidence

Are you thinking about buying your first property? Write to me before the first visit: that’s where the strategy begins.