1. Get a real number, not a guess
Talk to a mortgage broker or lender before you start touring homes. A pre-approval tells you what you can actually afford and strengthens any offer you make.
2. Understand the full cost of buying
Beyond the down payment, budget for closing costs, a home inspection, legal fees, and (depending on the purchase) property transfer tax.
3. Know your programs
Programs for first-time buyers change from time to time — ask what currently applies to your situation rather than relying on outdated numbers online.
4. Shortlist areas, not just listings
Commute, schools, and lifestyle usually matter more long-term than any single feature of one specific unit.
5. Write a clean offer
In a competitive market, a well-structured offer often matters as much as price.