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Buying A Home


It is an exciting time! You have decided to buy a home, condo, or investment property & we, of Merv Edinger & Associates, are here to help you navigate through the entire buying process & all the paperwork involved. Whether you are a first-time home buyer, an experienced home owner, relocating for work or investing in Real Estate, the basics of the real estate buying process are the same. 

We like to meet all of our buyer clients in person so that we can discuss with you the entire home buying process. We want to know what is important to you in your home, community, & time line as well as any special needs that you may have. You will have lots of questions, as we will for you. Together, we will find you the right fit for your lifestyle & budget.

We like to hear what type of home you picture and if there is an area you prefer. If you are not familiar with the different neighbourhoods, you can be sure that we are. Therefore, we select a sampling of homes in different locales and start there. Before you even meet with us, it is a really good idea to meet with your banker or mortgage broker. They will advise a comfortable price range for you, you get to compare mortgage rates, & select the terms that suits your plans for the future. 

This is a process that may take some time. You may look at a number of houses on each outing at the beginning. Then, we will watch the market carefully for new listings and maybe just meet to show you one or two. After you have looked at a number of properties, you will begin to know exactly what it is you want - and so will we!

Merv Edinger & Associates will be with you every step of the way! With a solid understanding of your criteria, we work diligently to share new listings as they become available. & sometimes, even before they hit the open market.  As well, we will be keeping a close eye on the market with our search efforts extending well beyond the MLS system. When you find the home you have been searching for, we handle all paper work, following up on all conditions until transaction is firm. It is a given that before you even offer on your choice, that we research and make sure that you will be paying a fair and reasonable price with conditions that suit you. In other words, we want to make sure, "find the right fit for you at the right price".

The most exciting day, is the day we get to deliver the keys to your new home to you!


Simply Find Your Perfect Home


Designed with you in mind. Since no two buyers are the same, and no two homes available for sale are the same: this website is here to help you navigate the home buying process in Nova Scotia.

Whether you are a first time homebuyer or not, let us make your home buying experience a good one. Fill the form above to get started today.


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Home Buyers Road Map


 


Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value. 

We, as Realtors®, are experienced in everything you need to know & do when buying a home & the Canadian Real Estate Association has put together a quick guide to help first-time buyers navigate the buying process. For your own copy of the Home Buyers Road Map pdf Fit To Buy CLICK HERE.  In the following reports, you'll find the information you need to make a wise buying decision.  We'll take you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details & moving.

Contact Merv Edinger & Associates TODAY to get on the road to purchasing your new home.

 


First-Time Home Buyers' Tax Credit


What Is The First-Time Home Buyers' Tax Credit ( HBTC )?

For 2009 and subsequent years, the HBTC is a new non-refundable tax credit, based on an amount of $5,000, for certain home buyers that acquire a qualifying home after January 27, 2009 (i.e., generally means that the closing is after this date).

The First-Time Home Buyers' Tax Credit is calculated by multiplying the lowest personal income tax rate for the year (15% in 2009) by $5,000. For 2009, the credit will be $750.

Are You Eligible?

You will qualify for the HBTC if:

  • you or your spouse or common-law partner acquired a qualifying home; and
  • you did not live in another home owned by you or your spouse or common-law partner in the year of acquisition or in any of the four preceding years.

If you are a person with a disability or are buying a house for a related person with a disability, you do not have to be a first-time home buyer. However, the home must be acquired to enable the person with the disability to live in a more accessible dwelling or in an environment better suited to the personal needs and care of that person.

A qualifying home is a housing unit located in Canada acquired after January 27, 2009. This includes existing homes and those being constructed. Single-family homes, semi-detached homes, townhouses, mobile homes, condominium units, and apartments in duplexes, triplexes, fourplexes, or apartment buildings all qualify. A share in a co-operative housing corporation that entitles you to possess, and gives you an equity interest in, a housing unit located in Canada also qualifies. However, a share that only provides you with a right to tenancy in the housing unit does not qualify.

Also, you must intend to occupy the home or you must intend that the related person with a disability occupy the home as a principal place of residence no later than one year after it is acquired.

Your spouse or common law partner can apply for the First-Time Home Buyers' Tax credit, even if you yourself bought the property. Either one of you can claim the credit or you can share the credit. However, the total of your combined claims cannot exceed $750.

Your interest in the home must be registered in accordance with the land registration system applicable to where it is located. 

For more information on the First-Time Home Buyers' Tax Credit, visit the CRA website


First Time Home Buyers' FAQs - Common Law vs Designated Agency



First Time Home Buyer's FAQs series - Buyer Brokerage Agreements



How Much $ Do I Need For My Closing Costs



MLS® Areas


MLS area map - search mls listings


FREE! Sign Up To Receive Emails Of New Listings


FREE For Buyers! No Obligation! Sign up to receive emails of HOT NEW LISTINGS as they hit the market, some times even before, that meet your personal criteria. Don't waste your valuable time scrolling through properties that don't meet your needs. You can opt out at any time. Simply fill out what you are looking for below!




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Mortgage Pre-Approval


Not sure where to get the best terms & interest rates, we know mortage brokers at various banks & lenders who would be happy to help you out in this regard & give you the steps to follow to get your pre-approval.


Amortization Period


Your employment or future plans could affect the right amortization period for your needs. Talk to your mortgage broker about the best one to suit you & your family.

Mortgage Portability


Open up to your mortgage broker so that they have all the necessary information to help you make the best decision on the right mortgage for you.

Fixed vs Variable Rate Mortgages



Home Buyers Plan & RRSPs



Home Buyers' Tax Credit