Buy a Home

Buying a home should start with a strategy.

Before showings begin, define the budget, must-haves, location priorities and timing. Sergey Luhavy represents buyers from the first planning conversation through market research, showings, offer strategy, negotiation, conditions and closing.

1. Start With the Budget

Mortgage pre-approval helps establish realistic purchasing power. If another property must be sold first, the buying plan should also consider sale timing, available equity, deposit needs and coordination between transactions.

2. Separate Must-Haves From Want-to-Haves

Bedrooms, bathrooms, parking, finished basement, separate entrance, property type and minimum size may be true requirements. Other features can remain flexible. This keeps the search focused.

3. Choose the Right Location

Think beyond the house itself: schools, commute, work-from-home needs, highways and GO access, shopping, parks, recreation, children’s activities and long-term resale considerations all matter.

4. Research, Showings and Real Feedback

Sergey researches suitable homes, compares recent sales and current competition, then schedules the properties worth seeing. After each showing, you get both your own decision space and professional feedback on layout, condition, renovation needs, approximate improvement costs and resale considerations.

5. Offer Strategy and Negotiation

If the property is right, the offer is built around comparable sales, market activity, condition, seller motivation where known, deposit, conditions and closing date. The goal is to protect your interests and achieve the strongest terms possible within the agreed strategy.

Buyer Tools & Planning Forms

Buyer Guides

Mortgage pre-approval in Ontario
Buyer closing costs in Ontario
How to choose the right neighbourhood
Why a home inspection matters
Down payment and mortgage insurance