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    Toronto Homes for Sale

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    • 647-804-7355
    • 188 Queens Quay W. Toronto, ON M5J 0B6
    • hello@torontohomes.sale

    toronto real estate agent

    Tom Kowalski

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    I am a licensed and highly experienced real estate professional, specializing in the Toronto real estate market for over 20 years. I work very closely with my clients and strive to do everything in my power to guaranteed them the best deal possible. If you are looking to sell or buy a property in Toronto, please do not hesitate to get in touch with me for a free no-obligation consultation and complimentary home evaluation.
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    A GREAT PLACE TO CALL HOME

    Toronto, ON

    Investing in a home in Toronto can be a great choice, thanks to the city’s robust economy, possibilities for property value growth, and opportunities for generating rental income. Additionally, owning a home in Toronto can provide a sense of stability and enhance your quality of life, offering convenient access to employment and community amenities. Toronto is home to an array of neighbourhoods, many with their own distinct characteristics and cultural influences.

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    Expertise. Service. Success.

    Albert Mills

    I am an expert in properties for sale, long and short lets in London, New York, Tokyo and Paris. I am licensed, experienced professional and can guarantee you the best deal possible.
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      The Heart of CANADA

      Toronto and the GTA

      Toronto stands as Canada’s largest city and serves as the capital of Ontario. As of 2021, its population reached 2,794,356, making it the fourth most populous city in North America. Renowned as a global hub for business, finance, arts, sports, and culture, Toronto is celebrated for its rich multiculturalism and cosmopolitan vibe. The city’s diverse demographic showcases its significant historical and present-day role as a favored destination for immigrants. Nearly half of its residents were born outside Canada, and over 200 different ethnic backgrounds are represented. Although English is the primary language for most residents, more than 160 languages can be heard throughout the city. Indigenous peoples have inhabited the Toronto area for more than 10,000 years.

       

      The Greater Toronto Area, often known as the GTA, encompasses Toronto and the surrounding regional municipalities of Durham, Halton, Peel, and York, amounting to a total of 25 urban, suburban, and rural municipalities. This expansive region stretches from Burlington in the west to Clarington in the east along the shores of Lake Ontario. As of 2021, the total population of the Greater Toronto Area is 6,711,985. 

      LEARN ALL ABOUT

      Appraisals

      A home appraisal serves as a professional assessment of a property’s fair market value, carried out by a licensed and impartial appraiser. This evaluation is essential for lenders, ensuring they don’t extend loans that exceed the home’s actual worth. Buyers and sellers also rely on appraisals to verify that the home is priced correctly. When determining value, the appraisal takes into account factors such as the home’s condition, size, location, and the recent sale prices of similar properties.

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      Mortgages

      A mortgage is essentially a loan taken out to purchase a real estate property, with the property itself acting as security for that loan. Borrowers repay this loan over an agreed-upon period through regular installments that cover both the principal amount and interest. However, if payments aren’t made, the lender has the legal authority to foreclose on the property and sell it to recover the outstanding loan balance.
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      Home Offers

      A home offer is an official, legally binding document prepared by the buying party that proposes the price and terms for purchasing a property. The offer states the buyer’s intent to making the purchase and includes details like the proposed price, the amount of the deposit, the preferred closing date, and any specific conditions, clauses, repairs, and inclusions that need to be satisfied for the sale of the home to be successfully finalized.
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      Viewings/Showings

      A home viewing/showing is typically the first step to purchasing a home. It is the process of visiting a property for sale, typically alongside a real estate agent or through a public “Open House” viewing. During the guided tour, a potential buyer evaluates the property’s overall condition and decides whether the home’s layout, features, and characteristics meet their needs.

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      Down Payments

      A down payment is the initial sum of money you contribute towards buying a home. This amount is subtracted from the total purchase price by your lender, while your mortgage takes care of the remaining balance. The required down payment varies based on the home’s price. If you’re putting down less than 20%, be aware that you will usually need to obtain mortgage loan insurance.

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      Home Inspections

      A home inspection is a visual assessment of a house’s key systems and structural elements, typically conducted once an offer is accepted but prior to the closing date. During this process, the inspector examines everything from the foundation and roof to crucial components like electrical, plumbing, and HVAC systems. Their goal is to pinpoint potential issues, such as structural damage, leaks, mold, asbestos or other safety and health hazards. After the inspection, the buyer receives a comprehensive report that includes photos, which helps them understand the property’s overall condition. The findings outlined in the home inspection report can be used for negotiating the listed price of a home with the seller.
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      Walk-Throughs

      The final walk-through provides home buyers the opportunity to confirm that the property meets the conditions specified in the contract before finalizing the purchase. It is the last chance for buyers to inspect the property, ensuring everything is in the condition that was previously agreed upon and that all contractual requirements and obligations have been fulfilled by the seller.
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      Closing Costs

      Home closing costs are the expenses that come into play at the end of a real estate deal, on top of the actual purchase price. These costs can vary widely, covering everything from legal and administrative fees to various government charges. Examples include appraisal fees, title insurance, legal fees, and taxes. Both buyers and sellers can incur these costs, with buyers typically facing closing costs that range from about 1.5% to 4% of the home’s purchase price.

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      Closing Day

      The closing day is the official date when the purchase agreement for a real estate transaction is finalized, signalling the official transfer of property ownership. On this day, all required paperwork and transfering of funds is completed, facilitating the legal transfer of the property title from the seller to the buyer. Specified in the purchase agreement, the closing date signifies the exciting conclusion of the home buying journey.

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      The Heart of CANADA

      Toronto and the GTA

      Toronto stands as Canada’s largest city and serves as the capital of Ontario. As of 2021, its population reached 2,794,356, making it the fourth most populous city in North America. Renowned as a global hub for business, finance, arts, sports, and culture, Toronto is celebrated for its rich multiculturalism and cosmopolitan vibe. The city’s diverse demographic showcases its significant historical and present-day role as a favored destination for immigrants. Nearly half of its residents were born outside Canada, and over 200 different ethnic backgrounds are represented. Although English is the primary language for most residents, more than 160 languages can be heard throughout the city. Indigenous peoples have inhabited the Toronto area for more than 10,000 years.

       

      The Greater Toronto Area, often known as the GTA, encompasses Toronto and the surrounding regional municipalities of Durham, Halton, Peel, and York, amounting to a total of 25 urban, suburban, and rural municipalities. This expansive region stretches from Burlington in the west to Clarington in the east along the shores of Lake Ontario. As of 2021, the total population of the Greater Toronto Area is 6,711,985. 

      WHICH IS RIGHT FOR YOU?

      House vs Condo

      When embarking on the journey of buying a home, it’s essential to consider your lifestyle preferences. Are you drawn to the privacy and autonomy offered by a detached single-family house, or does the ease and flexibility of condo living resonate more with you? Taking the time to evaluate what matters most in your living space is crucial. Additionally, think about the amount of time and resources you’re willing to invest in maintaining and repairing your property before making a decision.

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      Land Ownership

      Land ownership presents a great opportunity for investment. It’s a tangible asset that can increase in value over time and serves as a reliable safeguard against inflation. It also allows you the freedom to develop the land for your own needs, whether residential or recreational. Investing in land can also be an excellent way to earn passive income through leasing it out for agricultural purposes or other ventures.
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        Tom Kowalski

        Broker of Record

        647-804-7355

        hello@torontohomes.sale

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        647-804-7355
        188 Queens Quay W. Toronto, ON M5J 0B6
        hello@torontohomes.sale
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          Schedule a Tour

          Insterested in our properties? Do not hesitate and book a viewing. We have a large
          selection of options available.