If you’re planning to buy your first or next home this year, there’s more to it than just checking Realtor.ca and getting excited about granite countertops.
Here’s the truth: The decisions you make before you even start looking can cost you thousands — or help you win in this market. After 17+ years in real estate, construction, and investing, I’ve helped hundreds of buyers make smart moves, and I want to break it down for you.
1. Know your real budget — not just what the bank says
Getting pre-approved is step one. But just because a lender says you can afford $1.2M doesn’t mean you should spend it.
Factor in:
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Monthly comfort zone (mortgage + taxes + utilities)
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Potential rate increases
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Renovation or furnishing costs
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Insurance, strata fees (if applicable), and closing costs
Your budget should be based on your lifestyle and goals, not just the max you qualify for.
2. Structure your mortgage properly
The biggest mistake I see buyers make? Locking into the wrong mortgage product.
Fixed vs. variable? Open vs. closed? Prepayment penalties?
The wrong terms can cost you tens of thousands if you break early, refinance, or decide to upsize in a couple years.
We work with top mortgage brokers to help you structure your financing strategically — not just cheaply.
3. You’re not just buying a home. You’re buying a lifestyle.
I always tell my clients: “You can renovate a kitchen. You can’t renovate the location.”
We look at the full picture:
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Commute time
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Future development plans in the area
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School catchments
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Noise, traffic flow, privacy
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Resale potential (we think 5–10 years ahead)
A great deal in the wrong location will never feel like a win. This is about function, feel, and future value.
4. The search process should be strategic, not emotional
With our buyer clients, we never just send random listings. We create a customized search strategy based on your goals, priorities, and non-negotiables. You’ll get access to off-market opportunities, presales, and new listings as soon as (or before) they hit the MLS.
You’ll never feel like you’re chasing — you’ll feel in control.
5. You need a negotiator in your corner — not a door opener
I’m not just here to unlock doors. I’m here to protect your investment.
With my construction background and experience negotiating hundreds of deals, I’ll help you:
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Spot red flags others miss
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Understand what a home is really worth
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Compete intelligently in multiple offers
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Avoid overpaying or missing out
This is the biggest purchase of your life — let’s make sure it’s the right one.
Imran Ali
The Ali Group
📧 [email protected]
📞 604-616-555
