Six steps to purchasing your home is that easy. Take comfort in knowing that we can help you through this process.
We have information to help you through this process which includes guides and calculators to give you more information on the incentives that the government offers. Ability to build equity in a safe and secure investment. Potential for rental income.
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Want a Home Equity Line of Credit to take tax free cash from your home? Want to help your children with a financial gift to buy a home? How about renovating? Taking available cash from your home can do this.
How's your credit card payments? Too much? Looking to reduce or eliminate debts? If you own your own home, we can help.
Is your mortgage up for renewal? Want to find a better rate?
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Are you over 55 asset rich cash poor? Use the equity in your home to get tax free cash. Want to know how this works?
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Need some funds to help increase your down payment to buy a home? How about upgrading your kitchen & bathroom? Finishing your basement? You can access money from your home.
There are lending solutions for the self-employed borrower. Typically, this requires a minimum of 20% - 30% down, however, it can be done for as little as 10% down through Genworth's Alternate program.
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Just a quick checkup to make sure your mortgage is in sync with your short & long-term plans and goals.
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This can range anywhere from $350 and up depending on residential or commercial requirements. Your brokerage will order this to verify the value of the home for purchase and for refinancing.
A home inspection is a one time cost and involves looking at the structure, fixtures and fittings inside of the home. Cost for this can range from $250 and up.
Depending on the size of your property, an insurance binder, or certificate is required and renewable every year. Mortgage lenders need you to have the certificate in place from the moment you take possession of your new home.
Lenders will require one or the other. Title Insurance is approximately $250 and Land Survey will cost more and is generally part of the legal fees.
The Province of Ontario requires that the buyer pay a land transfer tax. The price for land transfer tax is based on the purchase price of the home. For Ontario is approximately 1.4%.
Legal fees are covered by the purchaser for the lender and the borrower's solicitors. Usually a Trust Ledger is provided by the borrower's solicitor outlining all the costs involved in the purchase or refinance of the property.