Considering a home in Pickering, Ajax, Whitby or Oshawa? I help buyers and homeowners across Durham Region organise purchase, renewal and refinancing questions around their timeline.
Keep the move and the mortgage on one timeline
For a move from another home, write down the expected sale completion, purchase completion and the date your current mortgage term ends. Bring that timeline to our conversation before assuming the sale proceeds will be available for the next purchase.
A detail to check early
Use the municipality and address of the property you are buying for cost estimates. A budget prepared for a Toronto purchase may not be the right worksheet for a purchase in Durham.
Questions to bring to our conversation
- Have you sold your current home, or are you still planning the sale?
- Could the purchase and sale close on different dates?
- Does your existing mortgage agreement describe portability?
Choose the next step that fits your plans
Preparing to buy
Understand the review process before your home search.
Explore →Approaching renewal
Compare the current offer with your future plans.
Explore →Considering a change
Review the costs and implications of new borrowing.
Explore →Prepare before we speak
Bring your timeline, your main question and a rough outline of your plans. You do not need to upload financial documents to start. Read the related planning guide and note anything you want me to explain.
Further reading: FCAC: Prepayment penalties. General information; lender requirements and individual circumstances vary.