First I will help you (if you haven't already) find a mortgage that suits your needs. We will then sit down and discuss what it is you are looking for in your new home. I will then set up a search in my system to automatically send you all new listings with your criteria. (you will receive them before they hit Realtor.ca®) After that I will take you to see the homes of your choice when it's convenient for you.
I look forward to working with you!
Below is some helpful information for home buyers.
Land Transfer Tax Refund for First time Homebuyers
The maximum amount of the refund is $4,000. If the refund is claimed at time of registration, it may offset the land transfer tax ordinarily payable. If not claimed at registration, the refund may be claimed directly from the Ministry of Finance. No interest is paid on this refund. (your lawyer usually takes care of this for you)
For additional information go to http://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html
First Time Home Buyers Tax Rebate
If you are a first-time homebuyer, a person with a disability, or an individual buying a home on behalf of a related person with a disability, you may be able to claim a non-refundable tax credit of up to $750 for the acquisition of a qualifying home acquired after January 27, 2009 (closing after this date).
For additional information go to http://www.cra-arc.gc.ca/nwsrm/fctshts/2010/m01/fs100121-eng.html
First Time Home Buyers RRSP Plan (up to $25,000)
The First Time Home Buyers RRSP Plan (HBP) allows first time home buyers to withdraw up to $25,000 from RRSPs to buy or build a home for yourself or for a related person with a disability. The withdrawn amount must be repaid within 15 years, subject to a minimum annual repayment that is 1/15 of the amount withdrawn. If the full $25,000 is withdrawn, the minimum annual repayment is $1,667. If less than the minimum is repaid in any particular year, the balance is added to the taxpayer’s income. To qualify for the Home Buyers Plan, an individual must not have not owned a home ever, anywhere in the world.
Go to this link for additional information: http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/rrsp-reer/hbp-rap/menu-eng.html
If you have any questions at all (and no question is a dumb question!) please feel free to call or e-mail me.