❌ Not having a clear budget before you start looking for a property can waste your time and energy.

✅ Your accomplice will analyze with you, your bank borrowing capacity to well establish your purchase budget.

❌ There are many additional costs when buying: notary fees, taxes, moving costs, bad surprises, etc.

✅ Depending on the purchase price of a property, your broker will establish the expected costs and suggest a reserve fund for contingencies.

❌ Do it  alone is possible in a purchase transaction but involves a lot of risks.

✅ By working with the apoint Hypothèque team, you will be guided and benefit from our network of professionals.

❌ Is there a school in the neighborhood? Public transport? Do not forget the details that could improve or even harm your quality of life.

✅ A real estate broker will be able to go around your needs with you and ensure that your new neighborhood meets them.

❌ Buying a house is a long-term commitment. There are many costs to consider: taxes, maintenance costs, emergency repairs, etc.

✅ Buying according to your real budget and not your borrowing capacity is the best solution to plan a surplus to cover these costs.
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❌  When a promise to purchase is signed, the countdown begins to be approved for financing.

✅  A prequalification letter in hand and all the documents provided to your broker allows you to be ready to take action.

❌ A full home inspection can reveal hidden issues that could impact the value of the home.

✅ A building inspector doesn’t just look at the color of the walls, he makes sure that the quality of the construction is adequate.