Newmarket Real Estate Realtor for Busy People™

First Time Home Buyer - Get Started With Advantages

Good Advice - Sooner is Better

The best advice I can give any first time home buyer is to get good advice sooner rather than later. Seek out a trusted advisor - besides your uncle, who I'd love to meet sometime.  Get a good, experienced realtor working for you right away - it's crucial and should be painless.


Do your own Research

Visit reliable online sources. I make it easy for you to educate yourself. But don't forget rule one above.


Let's Meet

My invitation to you (when ready) is for a complementary coffee at Timmy's or Starbucks to review your research and fill in any gaps in your knowledge. My "no hassle", "no obligation", "high value" Buyer Consultation is worth the time and effort.


Contact me by phone/text at 416-399-5832 or Email/Text


More Home Buyer Resources


Why Me?   Benefit from my proven process and experience. 

First Time Home Buyer Reports - Instant Awesome Reports

To enhance your buying and selling experience, it’s my job as real estate professionals to provide you with as much valuable information as possible. It is essential that the buyer or seller be aware of all aspects of the real estate market before making a major decision. Whether it be through newsletters, checklists or news articles,  I am here to make this process stress-free and rewarding. Please access my free, no hassle, reports today!

First-Time Home Buyers Get Boost - 2019
Homebuyers to get new mortgage incentive, Home Buyer’s Plan boost under 2019 budget Word Doc, 3 pgs Apr, 2019
Get Your Credit Report & Credit Score
CBC News has a good report that explains why its a "must-do" and not just for home buyers but all consumers.
Home Buyer Affordability Worksheet
Home Buyer Affordability Worksheet What can you afford to buy given your household income? This worksheet shows an example of how much household total gross income (before taxes and deductions) must be earned (counting both partners) to afford a $400,000 home at different mortgage rates and downpayments.
Home Buyer Closing Costs Worksheet - Example
This report is filled out with an example. If you wish to have a blank copy to do your own worksheet, see next report.
Home Buyer Closing Costs Worksheet - Your blank copy
Here is a version for you to use your own calculations. Tip: contact me at 416-399-5832 or by email ( to create one that reflects your situation. No cost or obligation.
Home Buyer Closing Costs Worksheet - Example
Here is a summary of the typical closing costs including the largest cost - Land Transfer Tax (Ontario and Toronto). Shows the first time home buyer rebates. Call me if you need help estimating any of these costs.
First Time Home Buyer's Tax Credit (HBTC) - Worth up to $750.00
This is a tax credit of 15% on closing costs up to $5,000 so it is worth up to $750.00. You have to apply on your tax return so the cash is NOT available to cover closing costs.
More about Land Transfer Tax & Rebates
More examples for home prices from 100,000 to 750,000.
Newmarket MapArt with School Ratings
Here is a handy tool if you are searching MLS listings for Newmarket and want to use the location reference that refers to the Page-Column-Row of this book. Example : 331-24-D. I have added notes on the school quality based on the EQAO ratings,e.g; 8/10. For more details on schools contact me at 416-399-5832. School quality is my specialty -
MLS LIsting Details Made Simple
This exclusive tool will help you understand those MLS listing sheets you will be using to locate your dream home. Call me if there are details that are still not clear. 416-399-5832 - phone or text me