RE/MAX Hallmark Chay Realty

First-Time Home Buyer (Toronto) - Ernesto D'Agostino, REALTOR®

If you’re buying your first home in Toronto, the goal is simple: get the right property, at the right price, with the right protection. This page lays out a clean, step-by-step approach - and gives you fast links to search and contact.

A clear plan for first-time buyers in Toronto

Toronto moves fast - but you don’t need to guess. I help first-time buyers build a strategy, understand real comparables, and submit offers with the right balance of competitiveness and protection.

Budget Clarity Neighbourhood Fit Condo vs Freehold Offer Strategy Conditions & Protection Closing Support

Start Your Search Ask a Question (Contact) Toronto Realtor Page Areas Served (GTA)

Call/Text: 416.627.1545 · Email: ErnestoRealT@gmail.com

Ernesto D'Agostino REALTOR® - First-Time Home Buyer Toronto - RE/MAX Hallmark Chay Realty

Step-by-step (simple, clear, effective)

1) Budget & comfort zone: align purchase price with monthly reality (not just max approval).

2) Shortlist neighbourhoods: commute, lifestyle, building type, and resale strength.

3) Viewing plan: see enough options to spot value and avoid “panic buying.”

4) Offer strategy: comps, timing, and terms - structured to compete.

5) Conditions & protection: financing, inspection, and document review when appropriate.

6) Closing: coordination and clarity so nothing gets missed.

Condo vs freehold (what to consider)

Condos: lower entry price, amenities, monthly fees - focus on building health, status, and true monthly carrying cost.
Freehold: more control and flexibility - focus on condition, maintenance, and long-term value.
Townhomes: often a balance - confirm fees, rules, and comparable sales.

Toronto areas first-time buyers often compare

We’ll pick areas that fit your budget and lifestyle - then compare options using real numbers, not hype.

Downtown Toronto Midtown East York North York Etobicoke Scarborough

First-Time Home Buyer Toronto FAQ

Do I need a mortgage pre-approval before looking?

It’s strongly recommended. It helps you shop with confidence and move quickly when the right property appears. If you’re early stage, we can still plan neighbourhoods and property types while you line up financing.

How do we know if a property is priced fairly?

We use comparable sales, current competition, and property-specific factors (layout, condition, fees, parking, view, exposure). The goal is to avoid overpaying while staying competitive.

What happens after my offer is accepted?

We finalize conditions (if included), coordinate timelines, and keep the process organized through closing so you’re protected and informed.

Next step

Tell me your target budget range, property type (condo/town/freehold), and preferred areas - and I’ll help you map a clear plan.

Contact Me Call/Text 416.627.1545 Back to Home Areas Served (GTA)