The first step is understanding your budget. Before viewing properties, I recommend getting pre-approved by a mortgage professional. A pre-approval gives you a clear picture of what you can afford, helps you budget confidently, and shows sellers that you are a serious buyer.

Once you are pre-approved, we will schedule a consultation to discuss your goals, budget, preferred communities, and the features you are looking for in a home. Whether you are interested in Moncton, Dieppe, Riverview, or a surrounding community, I will help you identify the neighbourhood that best fits your lifestyle.

From there, I will create a personalized home search, arrange private showings, help you evaluate each property, negotiate on your behalf, and guide you through the process through closing day.

The minimum down payment depends on the purchase price and current federal mortgage lending rules.

• Homes up to $500,000: minimum 5% down payment.
• Homes between $500,000 and $1,499,999: 5% on the first $500,000 and 10% on the remaining balance.
• Homes priced at $1.5 million and above: minimum 20% down payment.

When your down payment is less than 20%, mortgage default insurance will apply. You should also budget for closing costs in addition to your down payment.

In addition to your down payment, I recommend budgeting approximately 1.5% to 3% of the purchase price for closing costs.

These costs may include:

• Property Transfer Tax
• Legal fees and disbursements
• Title insurance
• Home inspection
• Property insurance
• Adjustments for property taxes, utilities, or heating fuel

I will explain these costs before you submit an offer so you understand what to expect.

Every buyer’s journey is different, but most home purchases take approximately 30 to 120 days from the beginning of the search.

Once your offer is accepted, closing typically takes 30 to 60 days, depending on the terms negotiated between the buyer and seller.

When you are relocating or working with a specific deadline, we will create a plan that keeps your search organized and on schedule.

Yes. Getting pre-approved should be one of your first steps.

A mortgage pre-approval helps determine what you can comfortably afford, estimates your monthly payments, and demonstrates to sellers that you are financially prepared.

It also allows you to focus on homes within your budget and move more quickly when the right property becomes available.

Once your offer is accepted, you will complete the conditions outlined in the agreement, such as financing, a home inspection, or insurance approval.

After the conditions have been removed, your lender finalizes the mortgage, your lawyer prepares the legal documents, and you arrange property insurance and utility transfers.

On closing day, ownership is transferred into your name and you receive the keys to your new home.

The conditions included in your offer depend on the property and your individual circumstances.

Common conditions include:

• Financing approval
• Home inspection
• Property insurance
• Review of condominium documents, when applicable
• Sale of your current home, when necessary

I will help determine which conditions are appropriate while working to keep your offer competitive.

Although you are not legally required to work with a REALTOR®, professional representation can make the buying process much easier.

I will help you understand market values, arrange showings, prepare offers, negotiate terms, explain contracts, recommend trusted local professionals, and guide you throughout the transaction.

In many residential transactions, the seller pays the commission for the listing brokerage and the buyer’s brokerage. This means buyers typically receive professional representation without paying my commission directly.