Moving to Ontario, Canada?

[Loving_Toronto]

My name is Alina Pock, I am a Realtor based in Toronto and a Relocation Specialist. Whether you are looking to rent or buy, I offer an Exclusive Relocation Assistance Program that has helped dozens of families over the years!

Through email and other forms of communication we can start the process up to 6 months before your scheduled move.

As part of the Exclusive Assistance Program, I will:

• Be your eyes & ears! That means I will educate you on areas of interest, schools, transportation, market trends and changes.
• Via email you will receive complete neighbourhood reviews, daily new listings of all homes matching your criteria (with photos), and maps showing the layout (good & bad) of the area.
• Provide you with a “THE” list of preferred professionals, including Immigration & Real Estate Lawyers, mortgage specialists, and home inspectors.
• Arrange for temporary rental accommodations upon your arrival (if needed), giving us time to work together more closely in finding you the right property!
• Upon your arrival:
o I will provide you with welcome basket full goodies!
o Provide you with city/area information that helps you with getting all those initial tasks done.
o Take around on property tours, so you can visit suitable properties in the area.
o Represent you when you buy your property, taking you through the whole buying process.
o Give you local contacts you will need as a new home owner in the area.
o And much more... I will be your host here in Toronto and will look after your every need as you are getting settled!

My services to you are FREE, but this does not mean I work for nothing. As your Realtor, I receive a commission from the seller of the property that you buy. The seller pays their Realtor and the buyer's Realtor receives a portion of that fee for introducing the buyer.

Whether you are looking to buy or lease up on your arrival, I would love the opportunity to assist you through this exciting time!

Kindest Regdards,

Alina Pock, BA
Sales Representative
Century 21 Heritage Group Ltd.
905-883-8300
alinapock @ gmail.com

 

[qorax]

Hi Alina,

Thanks for this thread. I've visited both your websites & found them to be quite informative. I have a query on the newcomers mortgage front...

1. Is it possible to obtain a mortgage for a newcomer immediately at Toronto?
2. If yes, what terms & conditions?
3. If no, how long to wait? How soon in terms of months?
4. Which suburb in GTA is good -but cheapest, in terms of a house/condo buying costs?

Regards,
Qorax.

 

[Loving_Toronto]

Hi Qorax,

Please refer below for answers:

1. Is it possible to obtain a mortgage for a newcomer immediately at Toronto?
YES - it is most definitely possible to obtain a mortgage within weeks of your arrival - subject to your personal situation (down payment, job, etc)

2. If yes, what terms & conditions?
Newcomers with permanent resident status become homeowners with as little as 5% down payment – regardless of how long they have been in Canada. Non-permanent residents can also purchase a home with a down payment of as little as 10% of the value of the home. This is the best case scenario and is only available to those that have employment secured upon arrival or have family here in Toronto that are able to co-sign a loan.

The more likely scenario is that you will need a 20-30% downpayment, in order to be approved for a mortgage as a newcomer with no secure employment.
3. If no, how long to wait? How soon in terms of months?
If you would like to go with the 5% downpayment option, you would most likely need to be fully employed and built a credit history of at least 6 months. At that point lenders will look more favourably at you application.

4. Which suburb in GTA is good -but cheapest, in terms of a house/condo buying costs?

There are a number of affordable neighbourhoods, it depends on how far from downtown you would like to be. Off the top of my head, I can tell you that Mississauga is a great city for condo pricing, while Newmarket is a great and affordable town for freehold homes(great family oriented town).

Tell me a little more about your case, when you are planning on arriving? Any price points that you are interested in, etc., and I will be able to be more specific in my response.

I hope this helps!

 

[qorax]

Dear Alina,

That was some good news. Here's some more info that u advised me to put forth:

1. We plan to 'arrive' somewhere in Apr-2010. [PR Visas at hand already]
2. We are a family of 4 [Self, wife & 2 small kids]
3. We both [me & my wife] are businesspersons.
4. While at Toronto, we r not going to be 'employed'. Shall establish a business. [plans r already on]
5. Funds r not a prob. But, we wouldn't want to invest upfront & rather take a mortgage. [we'll place the funds on business]
6. As down-payment we can safely put forth around $25-50,000. [even more, if a deal worthwhile comes thru]
7. Anywhere within the GTA should be fine for us. [within 30-45 minutes drive time radius]
8. The plan is to 'initially' buy a 2BR house/condo asap after landing. [within 6 months at max]
9. The 2nd house would be something more appropriate. [after 1-2 yrs]

Can I have more advice/s plz?

Regards,
Qorax.

 

[Loving_Toronto]

Hi Qorax,

I would happy to work with you! I am positive that we would be able to find something suitable for you and your family. I am going to put you in touch with my mortgage broker, who will be able to give you a better idea of what price range we can get you approved for (he's services are also free of charge to the client - he gets compensated by the lender). At the same time, I am going to email a number of properties that may be of interest.

Please get back to me with your email address, or you can email me at alinapock@gmail.com

Looking forward to working with you during this exciting time in your life!

A

 

[qorax]

Thanks Alina,

I'm getting in touch with u thru your email ID shortly.

Warm regards,
Qorax.

 

[livefaisal]

Hi,



Dear Alina,



My name is Muhammad Faisal Jamil and you can all me Faisal, i got ur email id from internet and i was relly happy after reading ur post on the website.

The reason i am writing to u is that i am also Realtor and working in Dubai(UAE) but i have planned to move to canada. am comming to canada in May.I was ondering if u can help me to give some information.


1-Howz the market in canada,
2-what is the procedure to get Real estate licence in canada.
3-what are best ares to work in canada.
4-Is that easy to get real estate job in canada.

Please reply i will be waiting for ur response.



Thankyou and best regards,

 

[max_lee]

Hi Alina,

I am planning to move to Windsor, and particularly intersted in the south windsor locality to settle down as I am planning to commute to work in Detroit area. Do you have any contacts like you with all ifo about Windsor, if yes pls let me know ASAP, as I am planning to move somewhere in June 2010 but will be going this weekend to scout the area for good homes/school district as I have a kid going to High School & 1 to Elementary.

Thanks

Max

 

[skp]

Hi Alina,
I got your email address from the Internet. My daughter is migrating to Canada and intends to land in Toronto in the first week of October, 2010. The passport is sent to CHC, London for Visa stamping and we are expecting it to be returned to us by the end of September, 2010. She needs someone to help her settle her in the city. We are seeking your help and are ready to make a payment for your services. Kindly inform me about your approximate charges if you are willing to provide her with the following services:

1. Collect her from the airport
2. Provide with a temporary accomodation and / or help her get a guarantor for a rental apartment she might shift into
3. Help to find a job and
4. Complete her SIN card procedure as well

You can communicate directly on my email address as follows: shrikant_potnis@hotmail.com

Your earliest reply will be highly appreciated.
In case you are not providing the above-mentioned services, could you please suggest someone who does (if there is anybody of your aquaintance).

Best regards,
Shrikant Potnis