Making real estate easy.

The minimum in Canada is 5% on the first $500,000 of the price, and 10% on any amount between $500,000 and $1.5 million. Homes at $1.5 million and up need 20% down. If you put down less than 20%, you'll also pay for mortgage default insurance.

Saskatchewan has no land transfer tax, but you'll still have a land titles fee, legal fees, a home inspection, home insurance, and moving costs. A good rule of thumb is to set aside about 2 to 3% of the purchase price.

Yes! A pre-approval tells you what you can comfortably spend, can hold an interest rate for a period of time, and shows sellers you're serious. We're happy to connect you with a mortgage specialist we trust.

A few. A First Home Savings Account (FHSA) lets you save up to $8,000 a year, $40,000 in total, tax-free. The Home Buyers' Plan lets you take up to $60,000 out of your RRSP for a down payment. There's also the First-Time Home Buyers' Tax Credit, and a GST rebate on newly built homes. Your bank or mortgage broker can help you figure out which ones fit.

In most Saskatoon sales, the buyer's agent is paid from the seller's side of the deal. We'll walk you through exactly how it works on our first call, so there are no surprises.

The search can take a few days or a few months, depending on what you're after. Once an offer is accepted, possession is often 30 to 60 days out, but it's flexible and set in your offer.