Mr. Cash Back Real Estate Team

Resources

Know What You Are Walking Into

Buying a home involves about a dozen numbers nobody explains to you until the week they are due. These are written to fix that. No email gate, no sales funnel. Read them and go buy a house, with us or without us.

Moving boxes by the door of an apartment on moving day
Closing cost paperwork and a calculator on a desk
Home inspection in progress
  • No email required
  • Written for Ontario buyers
  • Real worked examples
  • Updated as the rules change

Have a question a guide does not answer? Call or text and ask it directly.

416-388-4886

Guides

Four plain-English guides, written for buyers across the GTA, Waterloo Region and Guelph.

Closing cost paperwork and a calculator on a desk

Guide in progress

What Closing Day Actually Costs

Every line item on a resale purchase, with a worked $1M example for Toronto and for everywhere else.
Toronto skyline beside a suburban street, the line where land transfer tax changes

Guide in progress

Land Transfer Tax: Why Toronto Costs More Than Everywhere Else

How the provincial tax is calculated, why only Toronto adds a second one, the first-time buyer rebates, and the dollar difference at $800K, $1M and $1.5M.
Home inspection in progress

Guide in progress

Conditions Explained: Financing, Inspection, Status Certificate

What each one protects you from, how long they run, and what you risk dropping them.
Downtown Guelph with its limestone basilica

Guide in progress

Toronto or an Hour West? What Your Budget Buys in Waterloo Region and Guelph

An honest comparison of what the same money buys in each market, including commute reality and the land transfer tax difference.

Checklists

01

Closing Cost Checklist

Every cost, when it is due, and who you pay it to.

Checklist in progress

02

What Your Lender Will Ask For

The document list, so the mortgage does not stall.

Checklist in progress

03

Showing-Day Checklist

What to actually look at, including the five-figure fixes.

Checklist in progress

04

Before You Sign the Offer

Conditions, closing date and deposit terms.

Checklist in progress

Glossary: The Words Nobody Explains

Agreement of Purchase and Sale

The contract. Once both sides sign and any conditions are met, you are buying the house.

Buyer representation agreement

Your contract with the brokerage. This is where your 1% rebate is written down.

Co-operating commission

The share of the seller’s commission that goes to the brokerage that brings the buyer. This is what your rebate comes out of.

Deposit

Paid within 24 hours of the offer being accepted, and credited toward your purchase on closing. Not the same as your down payment.

Adjustments

Prepaid property tax and utilities the seller already covered, split at closing.

Status certificate

The condo’s financial and legal health report. Read it before you waive the condition.

Firm offer

An offer with no conditions left. At this point the house is yours and the deposit is at risk.

Land transfer tax

Paid on closing to Ontario, and again to the City if you buy inside Toronto.

Title insurance

One-time premium covering title defects, fraud and survey problems.

Holdback

Money the lawyer keeps back at closing until something is resolved.

Leather folder and pen on a meeting table, ready for a signed agreement

Fifteen Minutes
and a Real Number

Tell us the price range and the area you are shopping. You get your rebate figure, an honest read on what that budget buys right now, and the agreement in writing before anything else happens.

Book a 15-minute call
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