01 · Budget for your life, not just the purchase price
List your down payment, closing expenses and ongoing costs separately. Beyond mortgage payments, property taxes, insurance, condo fees and maintenance reserves affect your room to breathe. Confirm actual amounts for the property and your circumstances.
02 · Think about how long you expect to stay
Consider work, family and lifestyle changes over the coming years. Can the property accommodate them? If you need to move sooner, how much uncertainty and transaction cost could you absorb?
03 · Put your non-negotiables on paper
Separate must-haves, preferences and things you can forgo. Compare commuting, space, accessibility and amenities using the same list for each viewing.
Bring your questions to the first conversation
A rough budget, a few areas and a possible move-in date are a useful beginning. The questions you haven’t resolved are worth discussing too.
General information, not a substitute for advice about a specific property, agreement or personal situation. Confirm financing, legal and tax matters with the appropriate professionals.