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Quick answer: Ontario land transfer tax is part of the cash a buyer needs at closing. It is separate from the down payment and mortgage. The tax uses graduated rates, so only the portion of the purchase price inside each bracket is taxed at that bracket’s rate. Your …
Buying or selling a home is a high-stakes decision. The right REALTOR® can reduce risk, bring structure, and help you make cleaner decisions. This is a proof-first checklist for Greater Sudbury — what to verify, what to ask, and what “good” looks like beyond personality, hype, or …
Video by the Canadian Real Estate Association (CREA). Read CREA's episode notes or watch on YouTube.
If accessibility matters in your home search, a listing's “accessible” label isn't enough to tell you whether the space will work. In this CREA conversation, REALTOR® …
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When I sit down with a first-time buyer in Greater Sudbury, I put each rebate and savings tool on a separate line. They can help, but they are not interchangeable: each has its own first-time-buyer test, timing and paperwork. Before you count a possible refund toward your offer, …
A price ceiling is only one part of a useful home search. Bedrooms, bathroom layout, parking, condition and location decide whether a home actually works for you. The more requirements you combine, the more carefully you need to test your budget against homes currently available.
There is …
Before a Greater Sudbury buyer gets the keys, I would start with the agreement. A pre-closing visit is a chance to compare the home, its inclusions and any agreed repairs with what you bought. It is not a replacement for the earlier home inspection or a time to …
If you are thinking about downsizing in Greater Sudbury, I would start with a different question: what do you want your next home to make easier? Fewer square feet help only if the move also improves your budget, upkeep, access or support. Sometimes moving is the right answer. …
September gave buyers more room to make a careful decision than the loudest market stories suggest. In the Greater Sudbury single-family MLS selection I reviewed, 162 homes sold, compared with 158 in August. …
A spring sale needs a plan before the weather turns warm.
In Greater Sudbury, I would start with your property and moving plans, then check the buyers and competing homes in your part of the market.
If you are considering a listing in late February or …
A floor plan shows the home you hope to receive. The agreement tells you what the builder has promised, what can change, what you will pay and when you may take possession. I would sort out those questions before choosing finishes or paying a deposit.
New construction …