Toronto-Victorian-Homes.jpg
Toronto-Condos.jpg
Toronto-Home.jpg
map.jpg
mortgage-approval.jpg
Toronto-Victorian-Homes.jpg

First Timer Buyers


Real Estate trans­ac­tions involve some of the largest financial invest­ments peo­ple expe­ri­ence in their life­time. Trans­ac­tions today usu­ally exceed $300,000. If you had a $300,000 income tax prob­lem, would you attempt to deal with it with­out the help of a Cer­ti­fied Accoun­tant? If you had a $300,000 legal ques­tion, would you deal with it with­out the help of an attor­ney? Con­sid­er­ing the small upside cost and the large down­side risk, it would be unwise to con­sider a deal in Real Estate with­out the pro­fes­sional assis­tance of an Accred­ited Buyer’s Rep­re­sen­ta­tive

SCROLL DOWN

First Timer Buyers


Real Estate trans­ac­tions involve some of the largest financial invest­ments peo­ple expe­ri­ence in their life­time. Trans­ac­tions today usu­ally exceed $300,000. If you had a $300,000 income tax prob­lem, would you attempt to deal with it with­out the help of a Cer­ti­fied Accoun­tant? If you had a $300,000 legal ques­tion, would you deal with it with­out the help of an attor­ney? Con­sid­er­ing the small upside cost and the large down­side risk, it would be unwise to con­sider a deal in Real Estate with­out the pro­fes­sional assis­tance of an Accred­ited Buyer’s Rep­re­sen­ta­tive

First Time Buyers


questions-answers.png

Real Estate trans­ac­tions involve some of the largest financial invest­ments peo­ple expe­ri­ence in their life­time. Trans­ac­tions today usu­ally exceed $300,000. If you had a $300,000 income tax prob­lem, would you attempt to deal with it with­out the help of a Cer­ti­fied Accoun­tant? If you had a $300,000 legal ques­tion, would you deal with it with­out the help of an attor­ney? Con­sid­er­ing the small upside cost and the large down­side risk, it would be unwise to con­sider a deal in Real Estate with­out the pro­fes­sional assis­tance of an Accred­ited Buyer’s Rep­re­sen­ta­tive and Broker 


Working with an Agent

Closing Process

Your Real Estate Broker guides you step-by-step through the closing process and ensures that everything flows together smoothly

Code of Ethics

Your Real Estate Agent subscribes to a strict Code of Ethics and is expected to maintain a higher level of knowledge of the process of buying real estate

Negotiations

Your Real Estate Agent negotiates on your behalf to attain the best terms possible

Property Selection

Your Real Estate Broker assists you in the selection process by providing you a full list of properties that match your criteria and then providing objective info on each to help narrow down the choices

Q + A

Do I pay for my Real Estate Broker's fees?

Your Real Estate Broker gets paid by the Seller of the property. Buyer's typically do not pay any real estate commissions

Should I Buy or Rent?

Real Estate properties are investments that can be sold at a later date and often at a considerable return. When renting you are helping to pay off the Landlord's mortgage

What can I afford to spend?

Not only is Conrad a Real Estate Salesperson, he is also a full time Mortgage Agent, and can walk you through the mortgage process, and start the pre approval. What you can afford depends on:

  • gross household income
  • down payment
  • mortgage interest rate
  • current monthly expenses

Are there any additional costs or expenses?

The City of Toronto charges property tax based on the evaluated property value. As your Mortgage Agent, Conrad can outline these and other costs to you

Toronto-Condos.jpg

Buying a Condo


Buying a Condo in Toronto - Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Buying a Condo


Buying a Condo in Toronto - Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Buying a Condo


Condos were originally developed to be a less expensive form of housing. Instead of having to buy the land and the building, you could own a suite and share the land cost with others. This makes it possible for private ownership in high value areas (i.e. downtown/lakefront). Condo ownership is different from owning a house because condo owners hold title to their suites and share the expense for the operating costs of maintaining the common areas (i.e. lobby, gym, pool, game rooms, gardens, etc)

condo-purchase.png

Purchase Process

  1. Contact Conrad, and he can assist you in finding a mortgage agent to get pre-approved and to find out what you can afford to spend
  2. Inform Conrad of your budget and housing needs. With this info applicable listings will be provided and showings can commence
  3. Once the right property is found, an offer to purchase is written up, presented and negotiated. If accepted, any conditions need to be met and waived within the allotted time
  4. Prior to the closing date (date of possession), the Buyer's lawyer will review the agreement, check the status certificate, ensure the title is clear and all taxes and utilities are setup and paid
  5. On closing day the Buyer will pick up the keys at the lawyer's office

Q + A

Condo Age?

It is important to find out how old condo is. Will it need repairs soon? Pending future renovations should appear on the status certificate and will be reviewed by the Buyer's lawyer prior to closing

Condo Amenities?

New larger condos typically have modern recreational facilities for the enjoyment of its residents

  • swimming pool
  • gym/exercise room
  • billiards
  • running track
  • basketball court
  • party room
  • library
  • tennis court

Condo Security?

Many modern condos have 24 hour security, concierge, or video cameras. Some older buildings may not have these levels of security

Pets?

Each condo has its own rules and regulations. Companion animals are typically allowed, however there may be restrictions on quantity and size

Visitor Parking?

If you plan to have guests come to visit you, it is important to find out if the condo provides visitors parking. Some buildings have limited availability. Find out how many spots are reserved for guests, and what are the restrictions (time, size, etc)

Glossary of Terms

Condo Maintenance Fees

condo maintenance fees vary between buildings. They are calculated based upon the square footage of the suite and the operating costs of the condo (inc. amenities, maintenance of the property, security, etc)

Deposit

acts as a security and often accompanies an offer to purchase. Typically 5% of purchase price

Down Payment

the remaining balance of the purchase price (minus deposit and mortgage amount) i.e. personal savings

Home Inspection

is recommended when determining the condition of the property and relay any areas of concern. Typically costs between $350-$500

Insurance - Mortgage Loan

(optional) If a Buyer cannot afford to put down 20% of the purchase price. Premiums vary

Insurance - Property

mortgage lenders require the property be insured on closing

Insurance - Title

highly recommended to ensure that the property's title is free and clear on the date of possession. Contact your lawyer for full details

Land Registration Fees

upon closing there is a provincial charge based upon a percentage of the purchase price (1-2%)

Legal Fees and Disbursements

upon closing the lawyer fees are due. Contact your lawyer for full details. Typically costs $700-$1500

Lender Appraisal Fee

your mortgage lender may request to appraise the property. Costs typically $250-$350 (may be waived)

Status Certificate

The status certificate is a document prepared by the condo corporation which contains all info regarding the financial health of the corporation. This document is reviewed by the Buyer's lawyer before closing

Toronto-Home.jpg

Buying a House


 Buying a House in Toronto - Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Buying a House


 Buying a House in Toronto - Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Buying a House


house-purchase.png

Owning a house in Toronto is highly desirable, and prices have reflected that in recent years. Due to the high demand for centrally located homes, the housing market is very competitive, and therefore the need for informed Buyers and an experienced Real Estate Broker is great.

 


Glossary of Terms

Deposit

acts as a security and often accompanies an offer to purchase. Typically 5% of purchase price

Determine Needs

Location is typically of utmost importance, especially for resale purposes. Current and future needs should be considered

  • size
  • # of bedrooms
  • # of bathrooms
  • parking
  • rental potential
  • renovations
  • etc

Down Payment

the remaining balance of the purchase price (minus deposit and mortgage amount) i.e. personal savings

Home Inspection

is recommended when determining the condition of the property and relay any areas of concern. Typically costs between $350-$500

Insurance - Mortgage Loan

(optional) If a Buyer cannot afford to put down 20% of the purchase price. Premiums vary

Insurance - Property

mortgage lenders require the property be insured on closing

Insurance - Title

highly recommended to ensure that the property's title is free and clear on the date of possession. Contact your lawyer for full details

Land Registration Fees

upon closing there is a provincial charge based upon a percentage of the purchase price (1-2%)

Legal Fees and Disbursements

upon closing the lawyer fees are due. Contact your lawyer for full details. Typically costs $700-$1500

Lender Appraisal Fee

your mortgage lender may request to appraise the property. Costs typically $250-$350 (may be waived)

Purchase Process

  1. Contact Conrad for a list of mortgage agents who can help you get pre-approved and to find out what you can afford to spend
  2. Inform Conrad of your budget and housing needs. With this info applicable listings will be provided and showings can commence
  3. Once the right property is found, an offer to purchase is written up, presented and negotiated. If accepted, any conditions need to be met and waived within the allotted time
  4. Prior to the closing date (date of possession), the Buyer's lawyer will review the agreement, ensure the title is clear and all taxes and utilities are setup and paid
  5. On closing day the Buyer will pick up the keys at the lawyer's office
map.jpg

Experience


  Experienced Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Experience


  Experienced Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Experience is Invaluable


When choosing to work with a Real Estate Broker,  knowledge and experience of the industry is crucial. I have successfully helped more then 80 clients find their new home. 

 
knowledge-experience.png

mortgage-approval.jpg

Mortgage Approval


  Getting Approved for a Mortgage - Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Mortgage Approval


  Getting Approved for a Mortgage - Toronto Real Estate Agent - Conrad Rygier - HireConrad.com

Helping Buyers, Sellers and Renters with their Real Estate Needs since 2008! 

Mortgage Approval


Whether you are buying a new home, refinancing an existing mortgage, or in need of other financial services or products, Conrad can help you connect with a mortgage professional to see what they can arrange for you. 

 

 

Latest Residential Lending Rates

Term OUR RATES
6 month closed 3.00 %
1 year closed 2.89 %
2 year closed 2.64 %
3 year closed 2.84 %
4 year closed 3.34 %
5 year closed 3.35 %
6 year closed 3.79 %
7 year closed 4.04 %
10 year closed 4.44 %
Prime 3.00 %
Variable Closed - 3 year term Prime %
Variable Closed - 5 year term 2.50 %
* Note: Rates are subject to change without notice.
Some conditions may apply. O.A.C., E.O.E.