What are you working on?
Five situations, and everything on this site sorted underneath them — what to read, what you can work out yourself, what we can show you, and what to ask us for. Nothing here needs an email address first.
Know the real number
before you fall for a house.
The purchase price is the easiest figure to understand and the least likely to surprise you. What catches people is the monthly total and the cash needed on closing day.
Read
How we represent buyersThe Home Buyer Advantage Program, and what a Certified Negotiation Expert changes at the table. Freehold, POTL or condo?Three townhouses on one street can be three different things to own.Work it out
Monthly carrying costMortgage, tax, fees, utilities and insurance — plus the income a lender wants behind them. First-time buyer roadmapThe real cash you need, split by when each piece is due. Land transfer taxBracket by bracket, with the rebate.The least work that removes
a buyer’s objection.
Most stress in a sale comes from spending on the wrong things, or pricing above the evidence and spending the first two weeks proving the market wrong.
Read
The Worry-Free Home ListingFlexible commission plans, cancel anytime, and a preparation plan that spends where it returns. Seller preparation checklistRoom by room, ordered by what actually affects offers.Work it out
Sell first or buy first?Both risks priced with your numbers, then a recommendation you can argue with. What the next home costsBefore you commit to a price band.What’s available
What is selling nearbyLocal demand, by community.Two transactions.
One coordinated plan.
This is the transaction the team is built around. Sold and bought as one plan, the timing, pricing and financing protect each other. Run separately, they work against each other.
Read
The move-up advantageWhy the two sides are one decision, not two. Who does whatSpecialists at each stage, one point of accountability.Work it out
Which order?Bridge financing and overlap against an interim move and a rushed purchase. The new monthly numberAnd the increase over what you pay now. Cash due on closingIt cannot be added to the mortgage.Compare the project,
not the promotion.
A builder’s advertised price is the start of the calculation. The deposit schedule, the closing costs the price leaves out, and whether you actually own the roof are where the real differences appear.
Read
What you actually ownFreehold, POTL or condominium — and who replaces the roof. Six questions, every projectAsk these before you sign anything, without exception.Work it out
Deposit scheduleEvery cheque, on a date, with the cooling-off period. HST rebateWhat you get back — and when you have to pay it back. Pre-con vs resaleBoth paths over the same years, and the break-even.For agents, licensees
and people behind the scenes.
Feras is a Broker and a Certified Mentor, and the team is eight people. If you are weighing a move, the questions worth answering are about economics and support — not values. Every conversation is confidential.
Eight things you can
work out yourself.
All free, no sign-up. They run in your browser and nothing you type is stored or sent anywhere.
Money
Monthly carrying costMortgage, tax, condo or POTL fee, utilities, insurance Land transfer taxBracket by bracket, with the first-time buyer rebate First-time buyer roadmapThe full cash requirement, by when it is dueThen just ask.
Plenty of people start this conversation a year or more before they move. Send one question or a list of them — you will get a straight answer, and nobody will chase you afterwards.
Book a consultation
Tell us where you are today and where you hope to go next. Feras will help you map the path between them.
Start the conversation →Or call Feras direct on 647 383 7111