May 2021

Such a pleasure to work with her, she sold my home in a week and well over what I expected, the whole process was quick and seamless. She went beyond her role in her after service and found me a new home to purchase within weeks following my sale. I felt safe in her hands and elated with both my transactions. I highly recommend her for the sale or purchase fo your home.

Florence R.

March 2021

Attentive, patient and on top of new listings to find me a condo as I was downsizing. She was available and attentive to my needs throughout the process. I felt like she truly cared for my best interest and was able to find me a place to call home within my budget and in record time.

A. Brownstein

Feb 28, 2021

She held my hand every step of the way and I felt reassured and protected. I couldn't of chosen a better broker to find us our home at our price point in record time, and also under asking, which in this heated market is an incredible feat.

Isabella R.

May 28, 2021

Lydia is incredibly compassionate, knowledgeable and thorough. She was able to understand my needs and see valuable potential in properties that were not obvious to me to find me my dream home as a first time buyer.

Amanda Lee

Lydia is a true professional in everything she does and it has been a pleasure working with her to sell our home. She’s very client centric, a natural leader and go-getter, and she has an exceptional positive can-do attitude.

Mark Price

Catherine Vourakis

She has proven to be creative, focused, tenacious, and delivers results. Lydia has a true entrepreneurial spirit, and does what it takes to get the job done. With customers, she is able to juggle many customer requests at once while she listens to their needs and provides a solution instead of just selling.

Few people have the opportunity to work with a business woman like Lydia. She has a very organized, thoughtful and idea-oriented approach to the sale and marketing of properties.

Adria Brownstein

First-time buyers plan: 8 steps to buying smart

Navigating the world of Canadian home buying

Step 1: Figure out how much you can afford.

Falling in love with a house you can’t afford can be heartbreaking. Avoid disappointment by figuring out your budget before you start looking.
  • First, decide how much you can afford for your down payment. The Home Buyers Plan lets you withdraw up to $25K per person (or up to $50K per couple) from your RRSPs – tax-free – to be repaid over 15 years. More on that here . The bigger your down payment, the less principal you will owe, and the less interest you will pay.
  • Don’t forget about closing costs, like insurance, legal fees, home inspection costs, land registration and land transfer fees. Add those to your moving expenses and service hookup fees, and they can add up surprisingly fast.
  • Your monthly housing expenses (mortgage, taxes, heat, etc.) shouldn’t use up more than 32% of your income. (If your combined monthly income is $5000, for example, 32% of that is $1600.) If you have car payments or credit card debt, the rule of thumb is that debt repayment shouldn’t be more than 40% of your income.
  • Get pre-approved for your mortgage. It’s a good way of finding out how much you can borrow – and it speeds up the process once you’ve found the home you want to buy.

Step 2: Figure out what type of home is right for you.

Sit down and make a list of must-haves and nice-to-haves. Be realistic, but be clear about the features you can’t live without. How many bedrooms do you need? Bathrooms? Do you want a home office? A garage? How about a big backyard? Hardwood floors? Eat-in kitchen? Consider your lifestyle and your stage of life. If you’re planning kids in a year or two, the studio loft might not be your best bet.

Step 3: Decide where you want to live.

Living in an area you like is as important as buying a home you love. Do you want a busy urban lifestyle, a house in the ‘burbs, or a quiet place in the country? Do you want to walk to work or are you okay with a longer commute? Do you need to be close to good schools? Rec facilities? Shopping?

Step 4: Start looking.

Go to open houses. Visit mls.ca. Check the classifieds. Drive around neighbourhoods you like looking for For Sale signs. Talk to your REALTOR® about your needs and start looking at properties.

Step 5: Build a team.

Put together the right group of experts to help you buy. Start with a REALTOR® you trust, then look for a reputable lender or mortgage broker, a lawyer (or a notary in Quebec), a home inspector and an insurance broker. Your REALTOR® works closely with all of these professionals, and will be happy to recommend people you can depend on.

Step 6: Make an offer.

You’ve found the perfect place – now it’s time to make an offer. An offer to purchase includes the purchase price you’re offering, chattels to be included in the purchase (like appliances or light fixtures), the amount of the deposit, the closing date and any other conditions.

Your REALTOR® will help you prepare your offer, and will present it to the vendor, who will either accept it or make a counter offer (which asks for a higher price or different terms). You can accept or reject the counter offer. If everyone agrees, the home is yours. If not, you can make another offer, or you may have to keep looking.

Step 7: Get a mortgage.

Once you’re approved, you’ll need to decide what type of mortgage works best for your needs. Will you go with a fixed or variable interest rate? Will your mortgage be closed or open? What will your amortization period be? Will you make payments monthly, biweekly or weekly? Your mortgage broker or lender can help you find a mortgage that suits your needs – and saves you the most money in the long term.

Step 8: Move in and enjoy!

Trademarks owned or controlled by The Canadian Real Estate Association. Used under licence.

Lydia Moreyne

Lydia Moreyne

Phone: 450.687.1840

Mobile: 514.655.0007

Contact Me

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