The minimum is 5% for homes under $500,000, but if you’re buying above that, the required amount scales. Most buyers aim for 10–20% to reduce mortgage insurance costs — and we’ll help you figure out what makes sense for your budget and goals.

It really depends on lifestyle and long-term plans. Condos offer low maintenance and central locations, while houses give you space and land. We’ll compare real examples to see what works best for your future.

Technically, no — but having one often means fewer mistakes, smarter negotiations, and access to off-market properties. Our job is to advocate for you, not push you. We’ll help you buy with clarity and confidence.

Besides the down payment, there’s land transfer tax (municipal and provincial in Toronto), lawyer fees, home inspections, adjustments, and potential moving or setup costs. We’ll outline all of this early so you can plan accordingly.

It varies. Some clients find the right place in a week, others take months — and that’s okay. The goal isn’t to rush, but to make a move when the timing and property feel right.

Absolutely. We’ve guided clients through many pre-con deals — from reviewing builder contracts to understanding timelines and closing costs. These purchases require extra due diligence, and that’s where we come in.