Are you buying your very first home?

Do you need/want to move into something with more space- a better school district-closer to work?

Do you want a fixer-upper so you can create the home of your dreams?

No matter what your residential real estate needs…. You have come to the right place!!

Any home purchase is a complicated but exciting affair. That’s why we’re glad you’ve stopped by to seek out some of the best expert advice in the industry.

We’ve provided a few of the most important tools for prospective buyers

  • our expert tips
  • a special page for first-time buyers
  • a mortgage calculator to guide you towards a price range for your new home
  • and a tax calculator to help you figure out how you can budget your salary

We know that buying a home can be a confusing affair, even if you’ve done it before.

Ferne and Nina’s TOP 3 things you must consider NO MATTER WHAT!!

1. Use an agent.

And no, we’re not just saying that because we’re agents! A home is the single largest purchase most people will ever make, and it is often an incredibly complicated affair including but not limited to…managing mortgages/budgets, home inspections, easements, legal status, past sales, proper evaluation; simply put the multiple things that agents are specifically trained to deal with. Having a skilled agent/broker will actually save you money in most cases: we’re career negotiators, and we have the skills and the know-how to get you the best possible deal.

2. Location, location, location!

We’re sure you’ve heard this phrase before – it’s such a real estate truism that it’s even become the title of a BBC property show! The “location” of a home isn’t just the street it sits on, though.

There are all sorts of factors that make a home’s location more valuable such as:

  • The Neighbourhood
  • The school district. (How close/good are the assigned primary and secondary schools? If your child is gifted, where is the nearest gifted program? Etc etc etc….
  • What side of the street is the home on? Where does the sun rise and set on the property? The depth of the lot. Are there hydro wires close by? What is being built in the near future?
  • How close is public transportation? How long is the commute to work? Where’s the nearest supermarket? The nearest pharmacy? Hospital? Playground? This is all covered in the Walk Score®,

This isn’t to say, of course, that you shouldn’t be flexible. Keep an open mind. Your realtor will help you find equivalent nighbourhoods that are worth considering.

But remember that when you’re buying a home, you’re buying the location -you can always add on or tear down and rebuild but you can’t change the location. Choose well and wisely!

3. Buy exactly what you can afford. (Get prequalified)

What do we mean by “exactly what you can afford”?

Well, of course, there’s the top end: never overextend yourself on a mortgage. With all the new rules and stress tests done by the banks when you apply- it is highly unlikely this will happen.

(If more than 40% of your gross (before-tax) income is going towards your mortgage payment and property taxes, you probably need to look at something a bit less expensive.)

We have lots of folks we can recommend… they love us and we love them. Longstanding relationships provide our Buyers with great personal service. Ask us. We are happy to share our best with you. GET PREQUALIFIED--- KNOW YOUR BUDGET BEFORE YOU LOOK AT REAL ESTATE.

Remember that you’ll need money for other home-related expenses such as ongoing maintenance.

Do you want to renovate? Figuring out the cost and being truthful with yourself about what you can and cannot live with is very important!

Ferne’s rule- a house is like a living thing. It ages and parts wear out- ensure you have the money to fix what needs fixing before you buy the home.

We can help you make a realistic budget and recommend fabulous trustworthy outstanding trades/designers/architects/builders/ who will put you on the top of their priority list.

Lastly, what are the ongoing monthly costs- heat/ hydro/taxes/water?


Call us/text us/ email us or stop by. We can’t wait to meet you.


Ferne and Nina

Have questions?  Contact us today.

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