Jean Morrison & Team · eXp Realty · Sault Ste. Marie
Your Complete Ontario
Real Estate Guide
Everything buyers & sellers need to know — Ontario rules, plain language, no pressure.
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Answers for Every Stage of
the Ontario Real Estate Journey
For Buyers
Buying a Home in Ontario
- How mortgage pre-approval works & what lenders look at
- Understanding OREA purchase agreements & conditions
- The role of the buyer's agent & RECO consumer protection
- Home inspection rights & what to watch for
- Ontario Land Transfer Tax & first-time buyer rebates
- Closing costs breakdown (legal fees, title insurance, HST)
- Firm vs. conditional offers — what's the difference?
- Your rights under FINTRAC & identity verification rules
- From accepted offer to keys in hand — the full timeline
For Sellers
Selling Your Home in Ontario
- How Ontario listing agreements work (MLS & exclusive)
- Seller disclosure obligations under REBBA 2002
- Understanding commission, HST, and net proceeds
- Preparing for showings & what buyers are really looking for
- Reviewing offers: price, conditions, and irrevocability dates
- Multiple offer situations — your rights and options
- Accepted offer to closing: lawyer's role & key milestones
- Capital gains considerations for investment or secondary properties
- What happens if a deal falls through — Ontario rules
Ontario-Specific Guidance. This guide reflects current Ontario real estate law, RECO (Real Estate Council of Ontario) regulations, REBBA 2002, and standard OREA forms — so you're getting advice that actually applies where you live, not generic Canadian content.
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Jean Morrison & Team · eXp Realty
Sault Ste. Marie, Ontario