Buying your first home in Durham Region: a step-by-step guide
From getting pre-approved to closing day, here is what first-time buyers in Whitby, Ajax, Oshawa and Pickering should know before starting their search.
Buying your first home is exciting, and a little overwhelming. Here is the process we walk our first-time buyers through.
1. Get pre-approved
A mortgage pre-approval tells you what you can afford and shows sellers you are a serious buyer. Speak with a lender or mortgage broker early, and budget for closing costs on top of your down payment.
2. Understand the costs
In addition to your down payment, plan for:
- Ontario land transfer tax (first-time buyers may qualify for a provincial refund)
- Legal fees and title insurance
- A home inspection
- Moving costs and immediate repairs
Unlike Toronto, Durham Region municipalities do not charge a separate municipal land transfer tax. Always confirm current rebate amounts and eligibility with your lawyer.
3. Choose the right community
Each Durham town has a different feel. Ajax and Pickering offer the shortest commutes into Toronto, Whitby balances commute and space, and Oshawa and Clarington often offer more home for the price. Read our community guides to compare.
4. Make a strong offer
We review recent comparable sales with you, advise on conditions like financing and inspection, and negotiate on your behalf.
5. Closing day
Your lawyer handles the final paperwork and funds transfer. Once everything is registered, you get your keys.
Ready to start? Contact us for a no-pressure buyer consultation.