MOVE SMARTTORONTOCoffee & a chat
MOVE SMART TORONTO / BUY

Your first step to a smarter purchase.

Understand your budget, find your neighbourhood and prepare for the offer.

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FOR BUYERSCOFFEE + CONSULTATION
Tsering Chogyal, your local real estate guide
16YEARS OF
REAL ESTATE EXPERIENCE

Your next home.
Let’s talk over coffee.

The coffee’s on me. The insight is yours. Bring your questions and tap into 16 years of real estate knowledge in a free, relaxed consultation with Tsering.

  • Make sense of your budget
  • Explore neighbourhoods that fit your life
  • Know what to do before you make an offer
Book my free coffee chat

30 minutes. No pressure. No obligation to buy.

01

Where can my budget take me?

Discover the places that fit your plans.

Explore tool 02

Closing Cost Calculator

See the costs beyond your down payment.

Explore tool 03

Buyer Offer Readiness Score

Know what to prepare before making an offer.

Explore tool 04

Monthly Home Cost Calculator

Build a realistic budget for owning a home.

Explore tool 05

Buy or rent?

Compare the costs, the possibilities and the life you want.

Explore tool

Ready for a personal shortlist?

Tell Tsering your budget, neighbourhoods and must-haves.

Request matching properties ↗

Your buyer resource library.

First-Time Buyer Guide+
  1. Start with your total monthly budget, then speak to a lender before touring.
  2. List your non-negotiables and separate them from preferences.
  3. Set aside closing costs and an emergency reserve.
  4. Compare properties using the same checklist; ask your lawyer to review documents before you commit.
Put this into practice →
Toronto Closing Costs+
  1. Budget for provincial and municipal land transfer taxes where applicable.
  2. Confirm rebate eligibility with your lawyer; never assume that being a first-time buyer alone is enough.
  3. Request estimates for legal work, title insurance and adjustments.
  4. Use the closing calculator and confirm all costs before an offer.
Put this into practice →
Buying a Condo+
  1. Review the status certificate with your lawyer.
  2. Examine reserve funding, fees, special assessments and planned work.
  3. Check rules for pets, rentals, parking and renovations.
  4. Compare usable floor area, noise, elevators and storage.
Put this into practice →
Buying a House+
  1. Review structure, roof, mechanical systems and drainage.
  2. Confirm parking, boundaries, easements and permits.
  3. Price near-term maintenance with qualified professionals.
  4. Investigate any additions or basement use before relying on them.
Put this into practice →
Understanding Offers+
  1. Understand price, deposit, conditions and closing date together.
  2. Ask your lawyer and representative to explain each obligation.
  3. Do not remove financing or inspection conditions without understanding the consequences.
  4. Confirm how and when the deposit must be delivered.
Put this into practice →
Home Inspection Checklist+
  1. Ask about inspector qualifications and scope.
  2. Review roof, foundation, electrical, plumbing and heating.
  3. Distinguish urgent safety issues from routine maintenance.
  4. Discuss inaccessible areas and whether specialist follow-up is needed.
Put this into practice →
Mortgage Pre-Approval Checklist+
  1. Prepare income, employment and down-payment documentation.
  2. Disclose existing debts and recurring obligations.
  3. Ask about rate holds, penalties, prepayment and portability.
  4. Remember that final approval also depends on the property and lender review.
Put this into practice →
Buying and Selling at the Same Time+
  1. Compare buying first with selling first.
  2. Ask about bridge financing and qualification before committing.
  3. Coordinate deposit access, closing dates and moving arrangements.
  4. Plan a cash buffer and a backup if one transaction is delayed.
Put this into practice →

Make this plan your own.

A useful starting point. A personal conversation when you’re ready.

Create my neighbourhood shortlist ↗