When buying real estate,

you are making one of the

most significant personal investments

of your life. By working with

Tim and the team, you’ll have

the industry top expert’s to

guide you through every step

of the way.

How We Empower Your Purchase:

A Wholistic Real Estate Planning Model built to Empower Your Future

Empowering Your Future is at the core of our values system. Put simply, our PASSION is to give you the tools, knowledge, experience and strategy so you can make the right decision for your family. It’s about transparent teamwork that helps lead you to the best outcome possible.

Consult

Planning for the Best Possible Outcome

Our Empowering Your Future Buyer's consult is the genesis of things to come. We cover any questions you might have, plan for your future, narrow down potential locations & home types & give you actionable prep steps for the next element of the process.

Preparation

Doing the Prep so You're Ready to Buy

Trying to buy a house without completing the prep work is like trying to compete in a high level sport without any skill or practice. Preparation is the key element to a successful real estate purchase that you can rely on as the years go by.

Action

Finding & Purchasing your Home

Now comes the FUN PART: We saddle up and head out around town looking for the right home. Using the PCL system, your pre-approval, the buyers needs and wants assessment and our team's in depth market knowledge, there is no where to go but UP!

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Things To Consider

Property Transfer Tax

Unless you qualify for the First Time Home Buyers Program, you will be required to pay (in cash) Property Transfer Tax at the completion of your purchase as follows:

First $200,000 ••••• 1.0%
$200,001 - $2,000,000 ••••• 2.0%
$2,000,001 - $3,000,000 ••••• 3.0%
Over $3,000,001 ••••• 5.0%

First Time Home Buyers may qualify for a full exemption.

Downpayment

Lending institutions will usually require you to make a down-payment of at least 5% to 10% of the purchase price of the home. Lender and government policies may vary from time to time.

From $1 - $500,000 = 5% Minimum
From $500,000 - $750,000 = 10% Minimum
Over $1,000,000 = 20% Minimum

Your deposit for the real estate transaction will generally form part of your down-payment. The Canadian Mortgage and Housing Corporation (CMHC) requires any buyer to purchase mortgage insurance when the down payment is less than 20%. Rates are from 1.8% - 3.6% based on down payment.

Other Costs

House inspection: $300 - 750
Property Tax
Strata Fees
Legal fees: $1,000 - $2,000
GST (new homes - can be added into mortgage)
Foreign buyers tax
Insurance
Utilities

Mortgage Calculator

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This calculator is for information purposes only. Users should not use this calculator to make any financial decisions and should speak with their bank or mortgage broker. The website owner does not guarantee the accuracy or reliability of any information or calculations provided by this calculator. The website owner is not liable for loss or damage of any kind arising from the use of this tool.

What Our Clients Have To Say...

"As first-time home buyers, he took the time to talk us through our options and ensured we knew what to be aware of. His recommendations were great and it was an absolute dream working with him. We would HIGHLY recommend Tim."

- Hannah P.

"My wife and I were first-time home buyers, and Tim did an amazing job of helping us find an amazing first home! Tim is the perfect realtor. He is extremely dedicated to every one of his clients: he always had time for us and was extremely responsive to any texts or phone calls. I HIGHLY recommend getting Tim's help"

- Matt K.

"Having Tim as our realtor was a fantastic experience. As first time home buyers, Tim and his team made the whole process easy and straightforward. He was always able to make time for us and helped us find the perfect home. We couldn’t be happier! Such a great guy, I would definitely recommend working with him."

- Tyler R.

"I don't do too many reviews but I feel the need to do that today because Tim Keis and his team have made my dreams into reality! If you are looking for a hardworking, devoted, and professional realtor who will get you results then Tim and his team are the ones to call."

- Hamish S.

"We had the most amazing experience with Tim as our realtor. We were looking for a very specific acreage parcel and Tim was dedicated to helping us find the perfect property. Tim’s knowledge of the market and acreage parcels gave us great confidence in his ability to find our home. We highly recommend him for all your real estate needs!"

- Lorna W.

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