Our Team
Andy personally handles London and St. Thomas. Jaswant takes care of buyers and sellers across Kitchener, Waterloo and Cambridge, and Neeraj covers Brampton, Mississauga and the GTA.
Buying or selling a home in London or St. Thomas means working with more than a broker. Here is who else you will deal with, what each one should cost in Ontario, and the questions worth asking before you hire them.
A broker shops multiple lenders instead of selling one bank's products. That matters most if you are self-employed, newer to Canada without established Canadian credit, or buying a rental where the lending rules are different. What you want from them is a pre-approval underwritten against real documents, not a rough estimate — that is what tells you your actual budget and holds a rate while you shop.
Typical cost: Usually no direct cost to you on a standard residential purchase — the lender pays the broker.
A lawyer is legally required to close a real estate transaction in Ontario. They run the title search, arrange title insurance, register the mortgage and move the funds on closing day. They are also who reviews a condo status certificate before your condition period expires, which is the single most important document in a condo purchase.
Typical cost: Roughly $1,500 to $2,500 including disbursements on a typical residential closing.
An inspection is not legally required in Ontario, but it is strongly recommended on any resale home. You get a written assessment of roof, foundation, electrical, plumbing and HVAC. A rural property with a well, septic system or pool usually needs additional specialist testing beyond a standard inspection, so budget time for that in your condition period.
Typical cost: Roughly $400 to $600 in the London area for a standard resale home.
Good crews fill up first for month-end and summer weekend closings, which is when most people move. If you are downsizing, some companies also handle sorting, donation runs and full clear-outs — worth asking about specifically, because that is the part almost everyone underestimates.
Typical cost: Varies widely. Insist on a written estimate after an in-home or video survey, never a phone quote.
Andy does not hand out the same list to everyone. Who he points you to depends on your situation — a newcomer without Canadian credit history needs a different mortgage broker than an investor buying a fourplex, and a rural property with a septic system needs a different inspector than a downtown condo. Tell him what you are working on and he will make the introduction.
Andy recommends professionals he has worked with, not in exchange for payment. You are never obliged to use anyone he suggests and are always free to bring your own lawyer, broker or inspector to a transaction.
Andy personally handles London and St. Thomas. Jaswant takes care of buyers and sellers across Kitchener, Waterloo and Cambridge, and Neeraj covers Brampton, Mississauga and the GTA.
