Buying A Home

Guy and Scott are two of the most referred agents in Greater Victoria. Over the past 2 years, a total of 85% of all their new business came by way of referrals.

"The most fun we probably have as agents is working with home buyers, especially first time home buyers."
Scott Marchant

A lot of other top producing agents in Victoria delegate their buyers to in house "buyer’s agents". They are concerned buyers take up too much time, and of course, time is money. The reality is, finding someone the perfect home is sometimes hard work. There are countless pieces of information to gather, endless lists of homes to consider, and the need to be right on top of the market to get the right property at the right time. Our clients deserve the best, and to this end, we don’t assign them and their needs to a junior agent. When you hire Guy and Scott, you get... Guy and Scott.

"I can honestly say after over a decade of selling almost 500 homes, nothing is more gratifying than seeing a clients face light up when their new home becomes a reality!"
Guy Crozier

A SOUND INVESTMENT IN YOUR FUTURE

Why use your hard-earned cash to pay the landlord’s mortgage when you could be using the rent money to buy a home of your own?

That’s a question many people ask themselves when they start thinking about moving out of the rental market to home ownership.

It’s a big step. For most people, taking out a mortgage is the biggest financial commitment they will ever make. But buying your own home has always made sound financial sense. Here are some facts to think over when considering home ownership as opposed to renting.

If you are 35 now and just buying your first home, you will likely be mortgage-free when you are 60nand sitting comfortably on a considerable asset.
It’s highly likely your investment will appreciate considerably in 25 years. It’s important, however, not to buy with the intention of making a quick fortune. Think of home buying as a sound, long-term investment.
Buying a home is a very effective way of saving regularly over many years. Even if you never buy into another retirement or investment plan, you are effectively putting money away for the future.
Owning a home of your own means you and your family can set down roots, get to know your community and involve yourselves in it.
Discover the pride of home ownership. You can fix the place to suit your particular needs. You can also have pets in your home.
As your family grows and moves on to homes of their own, you will have the option of earning extra income by renting out spare rooms or floors, if local bylaws allow.
If you are planning to borrow money from a bank or other financial institution, owning your own home is a definite plus when it comes time to negotiate.
You may not need as much money as you think to get into the home market. Qualified buyers can buy a house with as little as five per cent down through the Canada Mortgage and Housing Corporation’s (CMHC) mortgage insurance scheme. You may also be able to use RRSP funds as part of your down payment.
With many kinds of investments, you have to pay a capital gains tax on profit you make. If your home is your principal residence, this tax does not apply.

After you have carefully considered all of the aspects of home ownership and are ready to begin your search, it’s time to contact Guy and Scott. We have access to the Multiple Listing Service® (MLS®), a co-operative marketing system through which properties are bought and sold. Using the MLS®, we can prepare a customized list of properties for sale that best meet your needs, wants and budget. We will also provide valuable assistance and guidance to you throughout the buying process.

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