START WITH YOU
Room for what matters.
Talk through your needs, preferences, budget, and timing. A useful search starts with a clear picture of your everyday.
BUYING A HOME IN TORONTO
A home for
the life
ahead.
Your first keys. A little more space. A fresh beginning. Find a home that makes sense for your life, with Jane in your corner.
Your priorities. Your pace. Your next chapter.
MORE THAN A PROPERTY SEARCH
The right home.
For your kind of life.
LOOK A LITTLE CLOSER
Beyond the listing.
Compare homes and neighbourhoods with Jane. Consider the questions that photos and floor plans don’t answer.
MOVE WITH CLARITY
Someone in your corner.
Get support reviewing options, arranging visits, and discussing the decisions ahead—without losing sight of your priorities.
ONE NEXT STEP AT A TIME
From thinking
to settling in.
You don’t need every answer before we talk. Start where you are, and we’ll work through the next step together.
Start a conversation ↗- 01
Get clear on your starting point.
Discuss your goals and timing. Work with your mortgage professional to understand financing and the budget available to you.
- 02
Explore homes and neighbourhoods.
Build a shortlist around your priorities, arrange viewings, and ask the questions that help you compare your options.
- 03
Consider your next move.
Review the property information and proposed offer with Jane and the appropriate professionals before making your decision.
- 04
Plan for the handover.
Coordinate next steps with your lender, lawyer, and agent as applicable. Keep your closing and moving arrangements in view.
YOUR PERSON IN REAL ESTATE
Jane Kim
Real Estate Agent · Toronto
What is the monthly mortgage payment on an $800,000 home?
With $80,000 down, a sample fixed rate of 4.5%, and a 25-year amortization, the estimated monthly mortgage payment is about $4,109. That includes the mortgage insurance premium added to the loan. Property tax, home insurance, condo fees, and other ownership expenses are separate.
How do I estimate the cash needed at closing in Toronto?
Start with your down payment, then add land transfer taxes and other closing expenses, such as legal fees. The calculator estimates Ontario and Toronto land transfer taxes and shows what is still due after the deposit and expenses you have already paid.
What is the difference between a mortgage term and amortization?
Your term is how long your current mortgage contract lasts. Amortization is the estimated time it takes to repay the loan. The calculator shows how your remaining balance and payment could change when you renew.
How do accelerated payments work?
Accelerated weekly and biweekly schedules put the equivalent of an additional monthly payment toward your mortgage each year. Compare the projected payoff date and total interest in the amortization schedule.
Can we talk before I’m ready to buy?
Yes. Tell Jane what you’re considering, even if your timing is still open. A first conversation can help identify useful next steps.
Can you help me compare neighbourhoods?
Share the places you’re considering and what matters in your day-to-day. Jane can discuss the local areas and property options relevant to your search.
How do I understand the services and fees?
Ask Jane to explain the scope of support and applicable fees, and review the relevant terms before deciding to proceed.
PEOPLE BEFORE PROPERTY. ALWAYS.