Purchasing property in Canada is very easy.

If you stay for less than 6 months out of the year, you’re considered a non-resident by the government, but are still able to open bank accounts and buy property. If you stay longer than 6 months, you will need to apply for immigrant status.

Certain provinces have restrictions on foreign land ownership. In Manitoba, non-residents are prevented from owning farmland unless they actually plan to move there within 2 years. Non-residents may not own land over 10 acres in size in Saskatchewan, whilst in Alberta they may only own up to 2 plots of land not exceeding 20 acres in total.

Once you have chosen a REALTOR®, they will outline the buying and/or selling process. Below are some resources to assist you in purchasing a new home.


  1. What can you afford? 

Before you start looking or considering buying a home, you must examine your finances. To purchase a home, at a minimum you need 5% of the purchase price as a down payment. Ideally, you want as large of a down payment as possible. 

Using a mortgage calculator can help you realize your affordability. 

Consider all of the recurring expenses for owning a home as well as the additional costs that home buying is associated with. 

If you feel comfortable with your savings and ongoing finances, it’s time to meet with a mortgage broker to start the mortgage pre-qualification process

They will look into your financial situation further and determine what you qualify for. Although, this doesn’t guarantee you will be approved for a mortgage at the time of your offer. 

Always shop around for the best rate, terms, etc., before you commit to a mortgage

  1. What are you looking for? 

Before you begin searching for a house, make two lists: what you’re looking for in a home and what questions you have for a real estate agent. 

Consider the following for your home list: your budget, condo vs house, recently renovated vs fixer-upper, favourite neighbourhoods, what are your deal breakers, how long you plan to stay, your upcoming schedule/future commitments, etc. 

Consider the following for your real estate agent list: can they refer you to other real estate professionals (lawyer, inspector, etc.), what experience they have in your favoured neighbourhoods, confirm the commission is paid by the seller, how available they are within your timeframe, do they have any limitations on viewings, etc. 

Writing down your expectations will provide clarity, keep you organized as well as, ground you amid realtor searching and house hunting.

  1. Find a real estate agent 

Now that you know what you’re looking for in a realtor, it’s time to start booking meetings and deciding which one is right for you. 

Check out their google reviews and rate my agent page, read their bio and analyze their website, meet with them in person if possible, and go with your gut feeling. 

  1. Start the search 

Give all of your parameters, deal-breakers, and wishes to your realtor. 

They will refer appropriate MLS listings to you to review. It’s important to have good communication with your agent. If there are things that you love or hate about the listings, let them know. It will help narrow the search. 

You can also look for condos/houses: check online, keep your eye open while driving around and tell your friends/family. 

Your realtor will also inform you of open houses and book viewings on your behalf. 

If you’re highly interested in a property, take several photos/videos and bring a measuring tape. Try to inspect the grounds as much as possible and ask your agent their opinions. 

  1. Make an offer and negotiation 

Submitting an offer can be an overwhelming process; there is a lot to consider and the risk of being disappointed. 

When it’s time to make an offer and negotiate terms, rely on your realtor and listen to their advice. They’re experts in the market and they want the best-case scenario for you. 

The following needs to be considered when submitting an offer: 

  • Deposit Amounts 

  • Offer Amount

  • Finance Clause

  • Inspections 

  • Settlement Date

  • Other Special Terms 

Unfortunately, offers can be rejected. If this happens, stay positive and remember everything happens for a reason. You will find another dream property. 

Working with the Ed Dale Team does give you an edge, as we’re specialists at negotiating and presenting desirable offers. 

  1. Conditional and Unconditional Stage

If your offer includes terms/conditions and it’s accepted, you need to organize the requirements in the offer. 

This could be a home inspection, a financial clause, etc. All of these requirements have pre-determined deadlines and cannot be late. 

This stage can last from 30-45 days (give or take) depending on the conditions and the outcome of the conditions. 

During your inspection, you may find defaults in the house that would lead you to negotiate repairs. 

Once all is well and everything is agreed upon, your contract will become unconditional. The settlement will be prepared and you can celebrate! 

  1. Settlement 

It’s time to celebrate! The home buying process is done and you have your dream property. 

The seller will receive their payment and you will take legal ownership of the home. 

Collect the keys and get ready to move! 


  1. Building Equity 

  2. Tax Benefits 

  3. Creative Freedom

  4. Capital Gain 


  1. It’s Free! 

  2. Experts in the Market

  3. Specialists in Submitting Offers 

  4. Will Negotiate on Your Behalf 



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