FREE Homebuyer’s Guide for Ontario Properties

by Mellinda Thaxter

Serving the GTA, Wellington County, Waterloo Region & Perth County

Thinking about buying a home in Ontario? Whether you’re a first-time homebuyer or looking to upgrade, this guide walks you through the entire process—from financing to closing day.

As a trusted real estate agent serving the GTA, Wellington County, Waterloo Region, and Perth County, I’ve helped many buyers find their dream home across both urban and rural communities. Here’s what you need to know.

✅ Step 1: Set Your Homebuying Budget

Start with a clear understanding of what you can afford.

Consider:

Monthly income & expenses
Minimum 5% down payment
Closing costs (1.5–4% of the purchase price)
Property taxes and insurance

📊 Use a mortgage calculator for Ontario to estimate monthly payments.

🏦 Step 2: Get Pre-Approved for a Mortgage

Mortgage pre-approval gives you a realistic budget and makes you a stronger buyer.

You’ll need:

Employment or business income documents
Credit report
Proof of assets and liabilities
Government-issued ID

Working with a mortgage broker can simplify the process—ask me for referrals!

📋 Step 3: Create Your Home Wish List

Before we start booking showings, think about what matters most in your next home.

Priorities might include:

Type: Detached, Semi, Condo, Townhome
Size: Bedrooms, bathrooms, finished basement
Features: Garage, yard, open concept layout
Location: Commuting distance, schools, amenities

🎯 Target locations in the GTA, Guelph, Kitchener-Waterloo, Stratford, or smaller towns like Elora and Fergus.

🔍 Step 4: Start House Hunting

This is where it gets exciting! I’ll help you tour homes that match your needs, negotiate on your behalf, and offer insights into market conditions.

🏘 From Brampton condos to country homes in Perth County, I’ve got your search covered.

✍️ Step 5: Make an Offer

Once you find the right home, I’ll help you submit a strategic, competitive offer.

Offer includes:

Price
Conditions (financing, inspection, etc.)
Deposit
Closing date

🔐 I’ll negotiate to get you the best terms possible in this market.

🔍 Step 6: Finalize Your Financing & Inspection

Once your offer is accepted:

Complete your home inspection
Finalize your mortgage approval
Complete the appraisal if required

These steps protect your investment and bring you closer to owning your home.

🔑 Step 7: Close the Deal

Your real estate lawyer will handle:

Title search & registration
Legal paperwork
Final payment transfer

📅 On closing day, you receive your keys—and your new home!

🏡 Homebuyer Incentives in Ontario

Take advantage of these programs if eligible:

First-Time Home Buyer Incentive
RRSP Home Buyers’ Plan (HBP)
Land Transfer Tax Rebates (up to $4,000 in Ontario)
GST/HST New Housing Rebate (for new builds)

Ask me how to apply and maximize your savings.

🗺 Top Areas to Buy a Home in Ontario

I help clients buy homes across:

GTA:

Brampton, Mississauga, Milton, Halton Hills

Wellington County:

Guelph, Fergus, Elora, Erin

Waterloo Region:

Kitchener, Waterloo, Cambridge, New Hamburg

Perth County:

Stratford, Listowel, Mitchell, St. Marys

Whether you’re looking for a city lifestyle, suburban comfort, or rural charm—I’ll help you find the right home in the right location.

💬 Ready to Buy a Home in Ontario?

Buying a home is a big decision, but with the right support, it can be smooth and exciting. I’m here to help you every step of the way—let’s find your perfect home together.

Mellinda Thaxter
📍 Century 21 Leading Edge Realty, Mississauga
🌐 mellinda-thaxter.c21.ca
📞 647-289-9765
📧 mellinda.thaxter@century21.ca
🏡 Helping You Buy, Sell & Invest in Ontario Real Estate