Everything you need to make confident real estate decisions in the GTA
Estimate your monthly mortgage payments using Canadian standard semi-annual compounding. Adjust the values below to explore different scenarios.
Estimates are for informational purposes only. Rates may vary. Contact Krista for a personalized consultation.
Navigating the GTA housing market as a first-time buyer can feel overwhelming — but you don't have to do it alone. Krista will guide you through every step, from getting pre-approved to picking up your keys.
Before you start house hunting, Krista will help you get started with a trusted mortgage professional to secure your pre-approval. This tells you exactly how much you can afford and shows sellers you're a serious buyer. In Ontario, you'll need at least 5% down on the first $500K and 10% on any amount above that (up to $999,999). Homes over $1M require 20% down.
Krista will represent your interests, negotiate on your behalf, and guide you through every detail. In Ontario, buyer representation agreements are now required. Krista will help you understand market conditions, find the right properties, and avoid costly mistakes — so you can buy with confidence.
Krista will work with you to define your criteria: location, size, type, and must-haves. She'll set up personalized property alerts, schedule viewings, and research neighbourhoods on your behalf. Pay attention to commute times, school districts, amenities, and future development plans that could affect property values.
When you find the right home, Krista will prepare an Agreement of Purchase and Sale. This includes the price, deposit amount, conditions (financing, inspection), and closing date. In competitive markets, you may need to act quickly — Krista will advise on the best strategy to get your offer accepted.
If your offer includes a home inspection condition, Krista will connect you with a trusted licensed inspector. They'll check the structure, roof, plumbing, electrical, HVAC, and more. This is your chance to uncover issues before committing. If problems are found, Krista will negotiate repairs, a price reduction, or advise you on whether to walk away.
Once conditions are waived, your mortgage lender finalizes your loan. Krista will recommend a trusted real estate lawyer to handle title search, land transfer tax, and closing documents. Budget for closing costs (typically 1.5-4% of the purchase price): land transfer tax, legal fees, title insurance, and adjustments for property taxes and utilities. Krista will be with you right through to closing day.
Selling your home is one of the biggest financial decisions you'll make. With Krista by your side from pricing strategy to closing day, you'll maximize your return and minimize stress.
Krista's deep market knowledge, proven marketing strategy, and strong negotiation skills directly impact your sale price. With over 13 years of experience across the GTA and Northern Ontario, Krista brings a clear marketing plan, exceptional communication, and a track record of results to every listing.
First impressions matter. Krista will walk through your home and recommend exactly what to do: decluttering, deep cleaning, minor repairs, and professional staging to help buyers envision themselves in the space. Fresh paint, curb appeal updates, and Krista's professional photography will significantly increase your sale price and reduce time on market.
Krista will prepare a detailed Comparative Market Analysis (CMA) to determine the optimal listing price. Overpricing leads to longer time on market; underpricing can leave money on the table. Krista's pricing strategy is designed to generate maximum interest and competitive offers.
Professional photography, virtual tours, MLS listing, social media marketing, and open houses are all part of Krista's comprehensive marketing strategy. She manages every showing, gathers buyer feedback, and adjusts the approach to keep momentum strong.
When offers come in, Krista reviews each one carefully: price, conditions, deposit, and closing date. In a multiple-offer situation, Krista will guide you on the best strategy. Remember, the highest price isn't always the best offer — conditions and buyer qualifications matter too, and Krista knows how to spot the strongest deal.
Once you accept an offer, the buyer will work on satisfying conditions. Krista will coordinate with your lawyer to handle title transfer, mortgage discharge, and closing documents. On closing day, you hand over the keys and receive your proceeds — and Krista will be there to make sure everything goes smoothly.
Whether you're new to the GTA or between homes, renting is a smart move. Krista can help you find the right rental and make sure your rights as a tenant are protected every step of the way.
A common rule is to keep rent under 30% of your gross income. Remember to budget for utilities, tenant insurance (highly recommended and affordable), parking, and any other fees. Most landlords require first and last month's rent upfront — that's the legal maximum in Ontario.
Ontario's Residential Tenancies Act protects tenants. Landlords cannot charge damage deposits or key deposits beyond a reasonable cost. Rent increases are limited by the provincial guideline (exceptions apply for units first occupied after Nov 15, 2018). You have the right to a safe, well-maintained living space.
Krista will search MLS rental listings and curate options that match your needs and budget (for MLS-listed rentals, the landlord pays the commission). She'll schedule viewings and help you evaluate each unit — from water pressure and appliances to storage, laundry, and overall condition.
Krista will help you put together a strong application with references, proof of income, and a credit report. She'll review the Ontario Standard Lease form with you to make sure everything is in order before you sign. Document the unit's condition with photos on move-in day and keep copies of all agreements.
Owning investment property in the GTA can be rewarding, but it comes with responsibilities. Krista helps investors navigate the process — from finding the right property to placing quality tenants and staying compliant.
Ontario's Residential Tenancies Act sets out landlord responsibilities: maintaining the property, providing essential services (heat, water, electricity), respecting tenant privacy (24 hours written notice for entry), and following proper procedures for rent increases and evictions.
Krista will help you verify income (typically 3x monthly rent), check references from previous landlords, and review credit reports with the tenant's consent. You cannot discriminate based on protected grounds under the Human Rights Code. Krista's thorough screening process protects your investment.
The Ontario Standard Lease is mandatory for most residential tenancies. It clearly outlines the terms, responsibilities, and rules. Any additional terms you add must not contradict the Residential Tenancies Act. Keep signed copies for your records.
Track all income and expenses for tax purposes. Mortgage interest, property taxes, insurance, maintenance, and property management fees are typically deductible. Consider setting aside a reserve fund (10-15% of rental income) for maintenance and vacancies. Consult an accountant familiar with rental properties.
Respond to repair requests promptly. Krista can connect you with a network of reliable contractors. For disputes, try to resolve issues directly first. If that fails, either party can apply to the Landlord and Tenant Board (LTB). Document everything in writing — Krista is always available to advise if issues arise.
Whether you're buying your first home, selling, investing, or renting — I'm here to help you navigate every step with confidence.