1. What monthly payment feels comfortable?
A mortgage approval tells you what a lender may permit, but it does not account for every priority in your life. Consider the mortgage together with property taxes, utilities, insurance, maintenance, commuting and the amount you want left for savings and everyday living.
2. How much cash will you need beyond the down payment?
Buyers should plan for the deposit, legal costs, land transfer tax when applicable, inspections, adjustments, moving and immediate repairs or purchases. Some expenses arise before closing, so timing matters as much as the total.
3. Which parts of the location are non-negotiable?
Think beyond a town name. Commute time, road conditions, public transit, schools, internet service, access to shops and the feel of the immediate street can affect daily life more than a renovated kitchen.
4. What work are you genuinely prepared to take on?
There is a difference between changing paint colours and managing major systems, structural work or a complete renovation. Be honest about your budget, skills, available time and tolerance for disruption.
5. Who needs to be on your professional team?
A mortgage professional, real-estate lawyer and suitable inspectors each answer different questions. Bringing them in at the right time helps you make decisions with better information and fewer last-minute surprises.
You do not need to know everything before we talk. A patient first conversation can turn a confusing process into a practical series of next steps.