Real Estate 101

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Children's Miracle Network and

RE/MAX are joined by their desire to provide local community hospitals with modern tools and information Since RE/MAX became the exclusive real estate sponsor of Children's Miracle Network in 1992, RE/MAX Associates have raised nearly $75 million for the cause.


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There are many costs that home buyers incur, especially upon purchasing your first home that you should expect to pay. Some of the expenses related to buying a home are one-time costs, while others are continuing costs. Your largest cost at the beginning is your down payment. As a first time buyer, this would likely represent only 5 - 10% of the purchase price. However, you should be prepared to pay for additional costs, such as:

 

  1. Legal Fees & Disbursements
  2. GST and PST (if applicable)
  3. Property or Land Transfer Tax
  4. Strata or Condominium Fees
  5. Estoppel certificate fee
  6. Survey Fee
  7. Home Inspection Fee
  8. Water quality and quantity certificate
  9. Appraisal Fee
  10. Mortgage broker’s fee (if applicable)
  11. Mortgage Loan Insurance Premium (if less than 25% down)
  12. Mortgage Loan Insurance Application Fee (if less than 25% down)
  13. Moving Expenses
  14. Renovations and repairs
  15. Furniture, paint, carpeting, window coverings, etc.
  16. Service and Utility Hook-up Fees
  17. Property/Condominium Insurance
  18. Mortgage Application Fee
  19. Deed and/or Mortgage Registration Fee

Additionally, once you have purchased your home, you will incur regular expenses on a monthly, quarterly or yearly basis. Some of these costs include:

  1. Mortgage Payment Water and/or Sewer Payments Electricity and Gas Services Cable and Telephone Services Property Taxes Strata or Condo Fees Repair/maintenance Expenses
  2. Homeowner's Insurance

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