Before you buy
First, meet with your current lender or financial institution to see what you can afford. We would hate to see you fall in love with a home only to realize it is not within your budget. Remember to consider costs such as lawyer fees, closing, land transfer tax, upgrades, and moving.
Once you’ve confirmed this and have a Mortgage Commitment Letter, you will need to decide where to live and what you will need in a home. It’s important to think both short-and-long term. For location, consider schools, commute, and proximity to amenities. For your home, consider size, rooms, and whether your family will be expanding in the coming years.