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What's inside
Get pre-approved for a mortgage (not just pre-qualified)
Confirm your down payment amount and source of funds
Define your must-haves vs. nice-to-haves list
Research school catchment areas if relevant
Review the Seller Property Information Statement (SPIS)
Understand all conditions before signing (financing, inspection, status cert)
Schedule a professional home inspection
Review inspection report thoroughly with your agent
+ 22 checklist items total
Financial preparation
Get pre-approved for a mortgage (not just pre-qualified)
Confirm your down payment amount and source of funds
Budget for closing costs (1.5–4% of purchase price)
Account for land transfer tax (first-time buyer rebate may apply)
Set aside $1,500–$2,500 for legal fees
Factor in home inspection ($400–$600), title insurance, and adjustments
Property search
Define your must-haves vs. nice-to-haves list
Research school catchment areas if relevant
Check commute times at different times of day
Review recent comparable sales in your target neighbourhoods
Attend multiple showings before making any decisions
Making an offer
Review the Seller Property Information Statement (SPIS)
Understand all conditions before signing (financing, inspection, status cert)
Know the difference between firm and conditional offers
Confirm deposit amount and due date
Agree on a closing date that works for both parties
Due diligence & closing
Schedule a professional home inspection
Review inspection report thoroughly with your agent
Complete title search with your real estate lawyer
Confirm mortgage approval and review all documents
Do a final walk-through before closing day
Confirm all utilities are transferred to your name
Recommended Tools
Mortgage calculator
Calculate monthly payments — ratehub.ca
Land transfer tax calculator
Estimate LTT + first-time buyer rebates
Mortgage affordability (CMHC)
How much home can you afford?
CMHC insurance calculator
Estimate mortgage insurance premiums