Thinking of Buying Real Estate?

Whether buying your first home, buying an investment home, or your dream home in the GTA or surrounding areas, you deserve the highest quality home buying service.  Working with the ELM team, you will receive the latest market information and the very best advice.  Buying a home can be so awarding but it can also be time consuming and costly if you are not familiar with all aspects of the buying process and don’t have all the resources at hand.

Our high quality services can save you money and time, as well as make the experience of home buying enjoyable and less stressful.  Buying a home is one of the biggest investment you are probably going to make.  So if you are thinking of buying a home, why not take advantage of experience and connections to make the most informed decisions you can, every step of the way?

Our Services For Buyers

Extensive Local Knowledge

Our team will help you identify the areas you are not fond of, focus on areas you like, provide you with local knowledge, to help you understand the market condition.

Expert Negotiations

Our expert negotiation strategies have helped our clients buy their homes.  We will write compelling offers, strategize when competing with multiple offers, & separate your offer from the rest

Reputation

We have a good reputation among our clients and good relationships with our colleagues which helps out clients in buying homes.  We keep a small clientele in order to provide the very best service

Real Time Access to New Listings

We provide you access to listings real-time.  No more waiting until the next day to get a report of yesterday’s listings.

Private Appointments

Our team works on each and every client making us available to take clients to see homes as soon as they are available, virtually or in person.

Concierge Service

We work with great lenders, lawyers, and inspectors to make your buying service simple and easy and provide you luxury service that you deserve. 

Learn More About Buying

Want to learn more about buying real estate in the GTA and surrounding areas? Check out these articles and videos.

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buyers guide

Our Home Buyer's Guide

Buying a home be both enjoyable and awarding.  Download our free home buyer’s guide to help you just do all that.

Have Questions About Buying?

Check out our FAQs about buying real estate in GTA and surrounding areas

A down payment is the amount of money you put towards the purchase of a home. Your lender deducts the down payment from the purchase price of your home. Your mortgage covers the rest of the price of the home.

The minimum amount you need for your down payment depends on the purchase price of the home.

If your down payment is less than 20% of the price of your home, you must purchase mortgage loan insurance.

In addition, you might want to check out this article

Table 1: The minimum down payment based on the purchase price of your home
Purchase price of your homeMinimum amount of down payment
$500,000 or less
  • 5% of the purchase price
$500,000 to $999,999
  • 5% of the first $500,000 of the purchase price
  • 10% for the portion of the purchase price above $500,000
$1 million or more
  • 20% of the purchase price

If you’re self-employed or have a poor credit history, your lender may require a larger down payment.

Source https://www.canada.ca/en/financial-consumer-agency/services/mortgages/down-payment.html

Yes – Getting a pre-approval first will help you understand exactly how much you can afford.  Also, the lender will also help you understand what the other cost that are associated with buying a home.

A mortgage broker is a mortgage specialist who has access to many lenders to ensure you get the best rate and mortgage that fits your needs.  A mortgage broker will review your information find out what is your long term and short term goals, compare mortgage products to find a lender that suits your needs.

In most cases, the seller pays the real estate agent commission, making our service to you free.

It is strongly recommended.  There are many reasons why you would want a real estate agent representing you. Attempting to buy a home with out a real estate agent will make the process difficult.

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