Toronto-Buying-Real-Estate.jpg
First-Time-Buyer-Real-Estate-Toronto-1000x565.jpg
Buying-Condo-Toronto-Real-Estate-Agent-1000x565.jpg
Buying-House-Toronto-Real-Estate-Agent-1000x565.jpg
Buying-Real-Estate-Toronto-Experience-1000x565.jpg
Mortgage-Approval-Toronto-1000x565.jpg
Toronto-Buying-Real-Estate.jpg

Buying Real Estate


Experienced Professional Accredited Buyer’s Representative and Real Estate Agent in Toronto helping Buyers find their Dream Home - MLS Listings

SCROLL DOWN

Buying Real Estate


Experienced Professional Accredited Buyer’s Representative and Real Estate Agent in Toronto helping Buyers find their Dream Home - MLS Listings

First-Time-Buyer-Real-Estate-Toronto-1000x565.jpg

First Time Buyers


Looking on MLS and Realtor.ca for a Condo or House? Why not work with a friendly experienced Real Estate Agent who has helped many First Time Buyers

First Time Buyers


Looking on MLS and Realtor.ca for a Condo or House? Why not work with a friendly experienced Real Estate Agent who has helped many First Time Buyers


Real-Estate-Questions-Answers.png

A Broker Works for you

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 Broker 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 Agent'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?

Conrad Rygier can connect you with knowledgable Morgage Agents who 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. Your mortgage agent can give you all the details.

Buying-Condo-Toronto-Real-Estate-Agent-1000x565.jpg

Buying a Condo


Want to buy a condo in Toronto? Here is what you should know before contacting a real estate agent

Buying a Condo


Want to buy a condo in Toronto? Here is what you should know before contacting a real estate agent

Purchase Process

  1. Contact Conrad, who can help you connect with 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)


Hot-Toronto-Condo-Market.png

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

Buying-House-Toronto-Real-Estate-Agent-1000x565.jpg

Buying a House


Want to buy a house in Toronto? Here is what you should know before contacting a real estate agent

Buying a House


Want to buy a house in Toronto? Here is what you should know before contacting a real estate agent


Great-Real-Estate-Agent.png

Purchase Process

  1. Contact Conrad, who can help you connect with 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, 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
 

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)

Buying-Real-Estate-Toronto-Experience-1000x565.jpg

Experienced Buying Broker


Looking for a friendly, professional, experienced Real Estate Agent to help you buy a condo or house? Your search is over! Click to find out more

Experienced Buying Broker


Looking for a friendly, professional, experienced Real Estate Agent to help you buy a condo or house? Your search is over! Click to find out more

Mortgage-Approval-Toronto-1000x565.jpg

Mortgage Approval


Need help finding a mortgage? Click here to be connected with a professional mortgage professional who can assist you in getting amazing rates and terms

Mortgage Approval


Need help finding a mortgage? Click here to be connected with a professional mortgage professional who can assist you in getting amazing rates and terms

Conrad Rygier works with many great mortgage lenders to help his clients get amazing rates and services. 

 

Financial Services Available

  • Buying a house / condo / townhouse
  • Refinancing
  • Renewing
  • Switches and Transfers
  • Line of Credit
  • Newcomer to Canada
  • Home Equity/Equity Take-Outs
  • Self-Employed
  • Mortgage Portability
  • Second Home
 

Latest Residential Lending Rates

Term RATES
6 month closed 3.00 %
1 year closed 2.89 %
2 year closed 2.54 %
3 year closed 2.74 %
4 year closed 3.04 %
5 year closed 3.09 %
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.