BuyerPresentation-Lowres

BUYER EXPERIENCE

At Crozier Realty we firmly believe in putting the client first. The buying process
is a very exciting time, it’s a new beginning, a fresh start, a new location of
opportunity and we can’t wait to guide you towards your new future! We want
YOUR experience to matter.
You will get access to OFF market properties via our online portal system which
is exclusive to our clients and agents within the team. Access to our COLLAB
system to navigate listings and save searches for YOUR convenience. Daily emails
of listings to suit YOUR criteria that are first on the market, even before it makes
it to realtor.ca which usually takes 12 to 24 hours.
NOW LET’S GO SHOPPING!

PRE APPROVAL
PRE APPROVAL MORTGAGE AMOUNT
DOWN PAYMENT AMOUNT
EXPECTED TAXES PER YEAR
*MAINTENANCE FEES
TOP 3 NON NEGOTIABLE’S
1
2
3

TIME TO GO SHOPPING
We found the perfect home… Now What? Let’s make an offer!
3 THINGS THAT WILL HAPPEN
Get an accepted offer
They can reject the offer
They sign us back an offer
The deposit will be in a money order or certified cheque from your bank made
out to the listing agents office. This money DOES go towards your downpayment,
it is collateral until you move in and take possession.
This amount is roughly 3-5% of the purchase price.

WE ARE SOLD CONDITIONALLY
Fulfillment timeline is on average 3-5 days depending on our conditions at the time of offer. From firm to closing day, you will firm up on your
rate with your mortgage broker, finalize all documents they will need and the lawyer will transfer all documents into your name for the home.
We always have 2 revisits AFTER we are firm. We recommend using 1 for family/friends and measurements.
SOLD CONDITIONALLY
INSPECT THE HOME
GET A MORTGAGE
REVIEW THE
STATUS CERTIFICATE
LAWYER TO
TRANSFER DOCUMENTS
FAMILY VISIT
FINAL WALK THROUGH

CLOSING DAY - WHAT TO EXPECT?
ADDITIONAL COSTS
LAND TRANSFER FEE - If you
are a first time buyer you will get
a $4000 rebate which will go
towards the fee (Toronto has 2
land transfer taxes).
On our website you can find our
Land Transfer fee calculator at
www.crozier-realty.com/buyers/
calculators/ this will help give
you an exact cost.
LAWYER FEE
They vary in fee between lawyers
from $900- $1500 on average
with adjustments added as
required i.e title search fee.
We recommend setting aside
2-3% of the purchase price to
allocate for all closing costs
including moving costs. The
1% fee mortgage lenders want
to see in your account prior to
closing and any minor changes
or renovations you may be doing
i.e painting.
KEYS
Keys will be in the lockbox at the
property or at the lawyers office
for pick up.
The code will be released by
the lawyer usually between
4-6pm, sometimes you will get
them earlier but its a good rule
of thumb to plan for the late
afternoon.

3
MAJOR THINGS TO AVOID
UNTIL CLOSING ON A HOME
1 2 3
CHANGING
JOBS
MAKING LARGE PURCHASE
Especially those with monthly payments
APPLYING FOR A NEW CREDIT CARD
OR BANK ACCOUNT THAT WOULD
PULL YOUR CREDIT

FROM FIRM TO CLOSE
45-60 DAYS PRIOR TO CLOSING
• Schedule Movers/Rental Truck
• Arrange for change of schools
• Post Office – change of address/forward mail
www.canadapost.ca
• Arrange for Utilities (cancel old; start new)
• Electricity
• Water/sewer
• Cable/Internet
• Homeowner’s/fire (if rental) insurance
CHANGE ADDRESS ON THE FOLLOWING
• Driver’s license - www.serviceontario.ca
• Health Care, Medical contacts
• Banking info
• Mobile Phone
• Government Services (old age security, maternity
benefits, family allowance, income tax)
• Update new address to any automated billings
• Cancel or change address for any regular deliveries
(newspaper, subscriptions)

1 MONTH PRIOR TO CLOSING
• Initiate packing and purging of items
some helpful sources:
1-800-Got-Junk
www.kijiji.ca
www.craigslist.ca
1-5 DAYS PRIOR TO CLOSING
• Set aside any critical documents or payments
• Confirm moving company’s arrival and any other
details
MOVING DAY FRIENDLY REMINDERS
• Organize keys, your solicitor will have your new
house keys
• Clean House
• If choose to change your locks we recommend
www.popalock.ca
• Ensure cupboards, closets, all appliances are empty
• Disassemble beds and any other special
instructions for movers
*When you enter your new home, check all the appliances to
ensure they are working as agreed.
Call your lawyer immediately if there is an issue then us.

CROZIER REALTY
Direct: 647.404.2418
Office: 905.812.8123
Email: nick@crozier-realty.com
Web: crozier-realty.com