Your Complete Guide

First-Time Buyer's Roadmap

From pre-approval to getting your keys — follow our proven 8-step process to buying your first home in Mississauga with confidence.

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Your 8-Step Journey to Homeownership

Buying your first home doesn't have to be overwhelming. Follow this roadmap and we'll guide you every step of the way.

Get Pre-Approved

Week 1-2

Before you start shopping, get pre-approved for a mortgage. This tells you exactly how much you can afford and shows sellers you're a serious buyer.

What to do:

Gather documents (T4s, pay stubs, bank statements)
Check your credit score
Contact a mortgage broker or lender
Get your pre-approval letter

Pro tip: Get pre-approved before house hunting. In a competitive market, having your financing ready can make the difference.

Define Your Needs

Week 2-3

Create a clear picture of what you're looking for. Consider your must-haves, nice-to-haves, and deal-breakers.

What to do:

Decide on neighbourhoods you like
List your must-have features (bedrooms, parking, etc.)
Consider your commute and lifestyle
Set a realistic budget (include closing costs)

Remember to factor in land transfer tax, legal fees, and moving costs — typically 1.5-4% of the purchase price.

Find Your Agent

Week 3

A buyer's agent works for YOU at no cost. They'll guide you through listings, negotiations, and the entire process.

What to do:

Interview potential agents
Ask about their experience with first-time buyers
Sign a buyer representation agreement
Discuss your needs and timeline

Working with the Battaglia Team gives you access to our VIP Coming Soon listings — see homes before they hit the market.

Start House Hunting

Weeks 4-12+

Now the fun begins! Your agent will set up personalized searches and book showings for homes that match your criteria.

What to do:

Review listings your agent sends
Attend open houses and private showings
Take notes and photos at each property
Narrow down your favourites

Don't fall in love with the first house you see. View at least 5-10 properties to understand the market.

Make an Offer

When Ready

Found 'the one'? Your agent will help you craft a competitive offer with the right price, conditions, and terms.

What to do:

Review recent comparable sales
Determine your offer price
Decide on conditions (financing, inspection)
Submit the offer through your agent

In a hot market, a clean offer with fewer conditions can win. But never skip the home inspection!

Conditional Period

5-10 Days

Once your offer is accepted, you'll have a conditional period to finalize financing and complete your home inspection.

What to do:

Finalize mortgage with your lender
Schedule a professional home inspection
Review the inspection report
Waive conditions (if satisfied)

A thorough home inspection can save you thousands. Never skip this step, even in a competitive market.

Closing Preparation

30-90 Days

You're almost there! Work with your lawyer and lender to prepare for closing day.

What to do:

Hire a real estate lawyer
Arrange home insurance
Do a final walkthrough
Transfer funds to your lawyer

Book movers and utilities early. Set up mail forwarding at least 2 weeks before closing.

Get Your Keys!

Closing Day

Congratulations! On closing day, your lawyer will register the deed and you'll receive the keys to your new home.

What to do:

Sign final documents with your lawyer
Pick up your keys (usually by 6pm)
Change the locks
Move in and celebrate!

Take photos of meter readings on closing day. You'll need them when setting up utilities in your name.

Essential Tools for First-Time Buyers

Use these free calculators to plan your home purchase

Mortgage Calculator

Calculate your monthly payments and see what you can afford.

Land Transfer Tax

First-time buyers may qualify for a rebate. Find out how much.

CMHC Insurance

Calculate mortgage insurance for down payments under 20%.

Ready to Start Your Home Buying Journey?

The Battaglia Team has helped over 2,400 families find their perfect home. Let us guide you through every step of your first home purchase.