Home Buying Checklist — Canada 2025

50-Step Home Buying Checklist Canada 2025

Everything you need to buy a home in Canada — from saving your first dollar to getting your keys. Check off each step as you go.

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Phase 1: Financial Preparation

Steps 1–10 — Do these months (or years) before buying

Phase 2: Mortgage Pre-Approval

Steps 11–20 — Start 3–6 months before buying

Phase 3: House Hunting

Steps 21–30 — During your search

Phase 4: Making an Offer

Steps 31–38 — Offer and negotiation

Phase 5: Closing and Moving In

Steps 39–50 — From accepted offer to move-in

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Frequently Asked Questions

How long does it take to buy a house in Canada?
The buying process from offer acceptance to closing typically takes 30–90 days. However, the preparation phase (saving your down payment, improving credit, getting pre-approved) can take 1–3 years depending on your starting point. The house hunting phase varies from weeks to months depending on market conditions and your specific requirements.
Do I need a lawyer to buy a house in Canada?
Yes — in almost all Canadian provinces, a real estate lawyer (or notary in Quebec and BC) is required to complete the property purchase. Your lawyer performs the title search, reviews documents, handles the transfer of funds, and registers the title in your name. Legal fees typically range from $1,200 to $3,000+ depending on province and complexity.
What is the First Home Buyers' Tax Credit in Canada?
The federal First Home Buyers' Tax Credit (FHBTC) provides a $1,500 non-refundable tax credit to first-time homebuyers. Both owners of a qualifying home can each claim up to $1,500 (for a combined credit of up to $3,000 for couples). Claim it on your tax return for the year you purchased the home by entering $100 on line 31270.
What closing costs should I budget for in Canada?
Budget 1.5%–4% of the purchase price for closing costs beyond your down payment. Key items: provincial Land Transfer Tax ($2,000–$20,000+ depending on province and price), legal fees ($1,500–$3,000), home inspection ($400–$700), title insurance ($200–$400), property appraisal ($350–$500), and moving costs ($500–$3,000+). First-time buyers may qualify for LTT rebates in ON and BC.