Expect extraordinary

With the right expert by your side.

Expect Excellence

With the right expert by your side.

Advice Selling

We are here for you

Buying a home is one of the largest financial transactions you will make in your life, so there are many important questions to consider when purchasing a home. A CENTURY 21® REALTOR® goes beyond the transaction and will be there with you every step of the way. Trust the experience of a CENTURY 21 Realtor to help you find your dream home.

Advice Selling

We are here for you

Buying a home is one of the largest financial transactions you will make in your life, so there are many important questions to consider when purchasing a home. A CENTURY 21® REALTOR® goes beyond the transaction and will be there with you every step of the way. Trust the experience of a CENTURY 21 Realtor to help you find your dream home.

Supporting you every step of the way

If you're buying, I can enhance your search process by helping you uncover what you may not have considered. Whether it is schools, lifestyle, or the investment value of the property. Using our property search tools, you will be able to find the home that best meets your needs. Finally, with the knowledge of the market, real estate expertise and negotiating skills, I will help you get the best possible deal and handle all the critical details.

Branded Background

Take the next step in your journey

I look forward to working with you and helping you reach your home ownership goals. Reach out to get in touch and start the process today. I offer:

Personalized service

Local market knowledge

Excellent communication

Strong negotiating skills

Loading Contact Me...
Search by Location | Search by Drive Time™
search near me

Common Homebuyer Mistakes to Avoid (2)

By Cathy Tse | March 2, 2025

First-Time Home Buyer?

By Cathy Tse | May 5, 2025

Understanding the Tarion Warranty Plan

By Cathy Tse | March 1, 2025

Thinking of Buying Pre-Construction?

By Cathy Tse | April 24, 2025

Understanding Lease Termination, Rent Increases, and Rent Control in Ontario

By Cathy Tse | March 1, 2025

Renovation & Repair Costs: What Buyers Should Budget For

By Cathy Tse | June 30, 2025

Common Homebuyer Mistakes to Avoid (1)

By Cathy Tse | January 28, 2025

安省买房全攻略:六个必知步骤

By Cathy Tse | September 28, 2025

When Is an Offer Really Binding?

By Cathy Tse | October 20, 2025

How to Prepare Your Home for Sale

By Cathy Tse | March 19, 2025

Windows & Light: Why Bright Homes Feel Better

By Cathy Tse | June 9, 2025

When Is the Best Time to Sell Your Home?

By Cathy Tse | May 10, 2025

Understanding Buyer’s, Seller’s, and Balanced Markets

By Cathy Tse | April 25, 2025

Understanding the Ontario Land Transfer Tax

By Cathy Tse | November 15, 2025

Buying a Home in Ontario: 6 Steps Every Buyer Should Know

By Cathy Tse | September 28, 2025

Common Homebuyer Mistakes to Avoid (3)

By Cathy Tse | April 2, 2025

安省租樓流程全攻略:五個簡單步驟

By Cathy Tse | September 14, 2025

Renting a condo unit: Procedures and Key Considerations

By Cathy Tse | March 1, 2025

Renting in Ontario? Here’s a Step-by-Step Guide to the Leasing Process

By Cathy Tse | September 14, 2025

Garden Adds More Than Just Curb Appeal

By Cathy Tse | May 28, 2025

Can International Students or Workers Buy Property in Canada?

By Cathy Tse | June 12, 2025

Feng Shui and Real Estate – Does It Matter When Choosing a Home?

By Cathy Tse | July 5, 2025

How the Rental Process Works in Ontario: A Beginner’s Guide

By Cathy Tse | November 19, 2025

When Is the Best Time to Buy a Home?

By Cathy Tse | April 26, 2025

The Backyard Can Make or Break a Deal

By Cathy Tse | June 2, 2025

How Your Home’s Direction Impacts Value and Comfort

By Cathy Tse | June 6, 2025

Why the Kitchen is Still the Star of the Home

By Cathy Tse | April 18, 2025

Why the Garage Deserves More Attention in Your Home Search

By Cathy Tse | July 12, 2025

Toronto’s New Rental Renovation Licence By-law

By Cathy Tse | August 2, 2025

Bill 60 & the Residential Tenancies Act (RTA)

By Cathy Tse | December 9, 2025

安省租房流程全攻略:五个简单步骤

By Cathy Tse | September 14, 2025

Ontario Homeowner Benefits & Subsidies

By Cathy Tse | February 7, 2025

Top Home Improvements That Boost Resale Value

By Cathy Tse | March 12, 2025

Common Mistakes to Avoid When Selling Your Home

By Cathy Tse | March 26, 2025

安省買樓全攻略:六個必知步驟

By Cathy Tse | September 28, 2025

Interest Rate: A year of Adjustment and Pause

By Cathy Tse | December 12, 2025

Doors: The Subtle Signal of Style in Every Home

By Cathy Tse | June 18, 2025

Ontario’s top 100 high schools

By Cathy Tse | January 25, 2025

Bathroom Matters: Small Room, Big Impact

By Cathy Tse | June 25, 2025

How Interest Rates Shape Real Estate Decisions

By Cathy Tse | April 30, 2025

Neighbourhood News

Want regular market updates and neighbourhood insights delivered to your inbox? Fill out the form to get started.

neighborhood-news-iphone-mockup-cropped-1024x942

HOME BUYER'S GLOSSARY

AMORTIZATION PERIOD

The number of years it takes to repay the entire amount of the financing based on a set of fixed payments.

APPRASIAL

The process of determining the market value of a property.

CLOSED MortgageS

A mortgage that can not be prepaid or negotiated for a set period of time without penalties.

Closing date

The date on which the new owner takes possession of the property and the sale becomes final.

Collateral

An asset, such as term deposit, Canada Savings Bond, or automobile, that you offer as security for a loan.

Deposit

A sum of money deposited in trust by the purchaser on making an offer to purchase. When the offer is accepted by the vendor (Seller), the deposit is held in trust by the listing real estate broker, lawyer, or notary, until the closing date of sale, at which point it is given to the vendor.

Equity

The difference between the market value of the property and any outstanding mortgages registered against the property. This difference belongs to the owner of that property.

MORTGAGE

A mortgage is a loan that uses a piece of real estate as a security. Once the loan is paid-off, the lender provides a discharge for that mortgage.

Term

The period of time the financing agreement covers. The terms available are; 6 month, 1,2,3,4,5,6,7,10 year terms, and the interest rate will be fixed for whatever term one chooses.