--- title: "Buying" url: https://eugenedignum.com/library/buying description: "The buying section of the Eugene Dignum library: 24 pages." published: 2026-08-24 updated: 2026-08-24 --- # Buying Published 2026-08-24 Library Buying ## [Buyer’s Guide](https://eugenedignum.com/buyers-guide) As your personal guide and trustworthy agent, I strive to give you the best of the best. In the years that I’ve spent in the industry, homebuyers have always asked me “What do I need to... Buying ## [First Time Buyers](https://eugenedignum.com/first-time-buyers) Buying a house for the first time is a big and important decision in your life. As someone who represents you and looks out for your best interest, I would like to introduce you to the... Buying ## [Steps to Owning a Home](https://eugenedignum.com/Steps-to-owning-a-home) For most people, buying a home is the biggest decision they will ever make. Buying a home is certainly a very exciting time, but it is important that you know all the facts and making... Buying ## [Your Home Buying Plan](https://eugenedignum.com/Your-home-buying-plan) Even if you’re just thinking of buying a home, contacting a real estate agent can provide a wealth of valuable resources. You can get access to a wide range of information that will... Buying ## [Why a Home Inspection](https://eugenedignum.com/Why-a-home-inspection) Whether you are looking to buy or sell a home, you should have a professional home inspection conducted. If you are buying a home, a home inspector will ensure the systems and foundation... Buying ## [Reasons to Buy Now](https://eugenedignum.com/Reasons-to-buy-now) There are deals on properties everywhere. It’s not uncommon to find your dream home at a GREAT price! Buying ## [First Time Buyer Advice](https://eugenedignum.com/First-time-buyer-advice) Meet with a mortgage lender and see if you can get pre-qualified for a loan. You can also see how much you will be able to afford to pay for a home. Sellers will be much more responsive... Buying ## [Applying for a Loan](https://eugenedignum.com/Applying-for-a-loan) Applying for a mortgage is often the most stressful time for home buyers. After all, securing financing can be one of the most critical factors in achieving your goal of purchasing your... Buying ## [Making an Offer](https://eugenedignum.com/making-an-offer) When it comes time to make an offer you will require current market information and assistance in drafting your offer. You will need a Real Estate Professional. Buying ## [Elements of an Offer Explained](https://eugenedignum.com/elements-of-an-offer-explained) There are six key components to the elements of an offer. They are: Buying ## [Closing Costs](https://eugenedignum.com/closing-costs) Closing costs are a list of charges your lawyer presents to you on the closing date of your home. Many people are surprised at the additional costs over and above the price of the home.... Buying ## [Land Transfer Tax](https://eugenedignum.com/Land-transfer-tax) Purchasers in most large Canadian centres can add Land Transfer Taxes to their list of closing costs. Buying ## [Land Transfer Tax Rebates](https://eugenedignum.com/land-transfer-tax-rebates) First-time buyers of new and re-sale homes are eligible for rebates on provincial and Toronto land transfer taxes. The maximum that first-time home buyers can receive for provincial land... Buying ## [Title Insurance Explained](https://eugenedignum.com/title-insurance-explained) Title insurance is growing in popularity in Canada. But what is it exactly? Should you get it? Do you need it? Whether title insurance is right for you is something you should discuss... Buying ## [Renting vs. Home Ownership](https://eugenedignum.com/renting-vs-home-ownership) This is a decision which many people face, and the decision is not as easy to make as it may sound. Buying ## [What to Expect from a Real Estate Professional](https://eugenedignum.com/what-to-expect-from-a-real-estate-professional) A REALTOR® will not take it for granted that you know all the ins and outs of the buying/ selling process. Instead, he or she will provide you with a full explanation of what to expect... Buying ## [Agency Relationships](https://eugenedignum.com/agency-relationships) When working with a REALTOR®, it is important to understand who the REALTOR® works for, and to whom is the REALTOR® legally obligated. The Canadian Real Estate Association (CREA)... Buying ## [RRSP Home Buyer’s Plan](https://eugenedignum.com/rrsp-home-buyers-plan) The Home Buyer’s Plan (HBP) is a government program that allows home buyers to withdraw up to $25,000 from their Registered Retirement Saving’s Plan (RRSP) to put towards buying or... Buying ## [HST New Housing Rebate](https://eugenedignum.com/hst-new-housing-rebate) The HST New Housing Rebate program allows you to claim a rebate on part of the HST you pay on the purchase price of either a newly constructed home or cost of building the home. You can... Buying ## [Ontario Real Estate Forms](https://eugenedignum.com/ontario-real-estate-forms) Click on a form to download. You must have Adobe Acrobat Reader installed to view these forms. Acrobat Reader is a free download available at http://www.adobe.com/reader. Buying ## [Is it Better to Buy a New or Older Home?](https://eugenedignum.com/better-to-buy-a-new-or-older-home) Do you know the advantages and disadvantages of both new and older homes? You need to be informed. Buying ## [Home Buyers' Plan (HBP)](https://eugenedignum.com/home-buyers-plan) The Government of Canada's Home Buyers Plan allows qualified buyers to withdraw from their RRSP's to purchase or build a house. If your spouse is also eligible you can each withdraw... Buying ## [Preparing for a Home Inspection](https://eugenedignum.com/preparing-for-a-home-inspection) Remember what first attracted you to your house when you bought it? What excited you about its most appealing features? Now that you're selling your home, you'll need to look at it as if... Buying ## [HST and Your New Home](https://eugenedignum.com/hst-and-your-new-home) When you buy a newly constructed home, condominium or town home, the entire purchase price including land is taxable. [Back to the guide](https://eugenedignum.com/)