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First-Time Homebuyer Tips: Save Smart & Close Confidently

February 06, 2026

Aim to save at least 5% of the $500,000 purchase price as your downpayment to strengthen your mortgage application in Toronto's real estate market. Prepare additional funds for closing costs including legal fees, land transfer taxes, and inspections to avoid surprises at closing day. Stay informed about the Toronto housing market trends and seek advice from experienced real estate agents to make confident buying decisions. Contact a trusted Toronto real estate agent today to start your journey towards owning your first home with expert guidance every step of the way.

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Harbinder Panesar, Broker

Harbinder Panesar, Broker

Loyalty Real Estate

+1-647-952-1187

Toronto, Ontario

Harbinder Panesar is a Toronto real estate broker with over 15 years of experience helping buyers find their way home. She works with first-time buyers, move-up buyers, down sizers...

Loyalty Real Estate
Which Homes Can You Afford?
See Your Options
How Much Is Your Home Worth?
Find My Home Value