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The Home Buying Process

Before You Buy a Home, A Checklist

The time has come and you are ready to buy for first or next home-sweet-home for yourself or an investment.

Before you start your search, review this checklist, which we hope will help you prepare your budget and guide you on your way to financial success in this and future real estate transactions.

1. Reduce Debt & Increase Credit Score: 

Before you start looking for your next home you should request a credit report. This will give you a starting point on understanding your credit score before you request a loan. Your credit score will influence the interest rate of your loan.

2. Save Money to Set Yourself Up with a Large Down Payment:

 Before starting your home search, it's important to get advice from a qualified lender about what you can afford and the minimum down payment required with new rules in Canada. You'll want to save and get as close to possible to this amount as soon as possible. This may allow you to get a better mortgage rate and you may qualify for special programs like the First-Time Home Buyers Plan or other financing options. 

3. Keep a Conservative Budget

: It’s just not the list price that is included in the purchase. Keep in mind there are inspection fees, title insurance, legal fees, moving expenses, and typically new furniture purchases that you should prepare for in advance. Along with the initial closing costs and moving expenses, you should also be aware of your monthly budget moving forward. With homeownership comes property taxes, condo fees, home repairs, and more. You want to make sure you are prepared for future budgeting as well. 

4. Get Pre-Approved

Your pre-approval can help if you are putting in an offer against someone who is not... makes you look like a more ready-now buyer. Your pre-approval is based on your actual income, debt, and credit history. This is different from pre-qualification, which is how a lender determines how much you can afford.

5. Set Your Home Buying Budget

By getting your finances in line before your first home showing you know the price range of a home that you can actually afford. It is important to set a realistic budget that fits your income level and characteristics you want in a home. 

6. Find an Agent You Trust

An agent will be able to guide you along the way and educate you in the home buying process. Also, keep in mind an agent usually is very well connected to the other professional advisors you will need before closing day. 

As you begin the process to find your next home checking these items off your list will provide you with a more successful home buying experience. Our team is here to help you! Let us know the area and/or neighbourhood you are looking to live along with your top needs our team of professionals will assist with finding your next home.

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Newest Listings in Nova Scotia

$799,900
3 Beds 2 Baths 202622878 MLS
Tucked away in a sought-after location just 10 minutes from the Halifax Peninsula, 1875 Purcells Cove Road is a beautifully renovated three-bedroom, 1.5-bath 1½-storey home offering modern design, exceptional finishes, and an incredible private outdoor oasis. From the moment you step into the spacious foyer, the quality and thoughtful design are evident. The main level features a beautifully updated open-concept living, dining, and kitchen area filled with natural light, with ceramic and engineered hardwood flooring carried throughout both the main and upper levels. The chef-inspired kitchen showcases an abundance of custom cabinetry, quartz countertops, a large window over the sink, and premium Gaggenau and Miele appliances. European-style patio doors from the dining area open directly to the private backyard and exceptional outdoor entertaining space. The upper level offers a spacious primary bedroom with a custom closet area, two additional well-sized bedrooms, and a beautifully finished four-piece bathroom. The lower level provides even more living space with a large rec room/family area, floor-to-ceiling mirrored storage closets, designated laundry area, cold room, and a combination utility/workshop space. Step outside and discover a truly special private retreat, complete with exposed aggregate walkways and driveway, a garden shed, and an impressive custom-built outdoor kitchen featuring a built-in outdoor kitchen with BBQ, quartz countertops, 110V outlets, lighting, and a custom shade sail perfect for entertaining or relaxing outdoors. Additional features include radiant in-floor heating, custom built-in cabinetry throughout, a hardwired internal network, extended WiFi access point, and Nest smart thermostat and smoke detectors. Beautifully renovated inside and out, with exceptional attention to detail and conveniently located close to all amenities, this is a truly move-in-ready home that offers style, comfort, and privacy in one exceptional package.

1875 Purcells Cove Road, Halifax

$659,900
4 Beds 3 Baths 202622867 MLS
Nestled in a quiet, highly desirable Port Wallace neighbourhood, this meticulously maintained 4-bedroom, 2.5-bathroom split-entry home offers the perfect balance of comfort, function, and long-term value. From its versatile layout to the standout outdoor amenities, every detail of this property reflects pride of ownership. The main level has an efficient kitchen that is open to the dining area, which features custom built-in cabinets as well as garden doors to the large back deck. The living room is bright, and features hardwood floors, custom built-ins, and fireplace. Three large bedrooms, a main bathroom, and an ensuite half-bath complete this level.  The lower level has a large family room, a 4th  bedroom, a 3-piece bathroom, and a large unfinished workshop area with a walkout. This home is ideal for growing families, extended guests, or dedicated home office setups. There are 2 ETS heat units that provide access to time- of-day savings and a ductless heat pump for efficient, all-electric heating and cooling. Outside lies a large detached double garage that provides exceptional space for vehicles, custom workshop setups, seasonal storage, or recreational equipment. Enjoy an expansive, completely level 12000 square foot lot, offering a blank canvas for outdoor living. This home is perfectly sized for kids, pets, gardening projects, or hosting summer barbecues, with room to spare. McCarthy Street is situated in an established Dartmouth community near Shubie Park, Lake Charles, and top-rated local schools. You'll enjoy peace and privacy on a quiet residential street, while remaining just minutes from Dartmouth Crossing, major transit routes, and downtown Halifax. Please note this property is an estate sale and is being sold as is

8 Mccarthy Street, Dartmouth

$489,900
3 Beds 3 Baths 202622866 MLS
Welcome to 10 Hillspire Grove: Low-maintenance living in highly sought-after Portland Hills!  Nestled in the desirable "Groves" enclave of Portland Hills, this beautiful grade-entry townhouse offers the space and privacy of a single-family home, paired with the ease of condo living. This 3-bedroom, 3 bath unit with an attached single garage has everything you need.  The main level has an efficient kitchen, with a bright eat-in area that opens to a private deck. The large living/dining area features vaulted ceilings and hardwood floors. The primary bedroom has a walk-in closet and a 4-piece ensuite bath. A second bedroom, main bath, and convenient laundry complete this level.   The lower level features a family room large enough for multiple uses, with doors that open to the lower patio area. A third bedroom and a 4-piece bath make this the perfect area for visiting guests. There is a large unfinished area, that could easily be completed to provide extra living space or just used for storage. This efficient home is heated by electric radiators, with a ductless heat pump on each level. Located in family- friendly Portland Hills, this condo is near walking trails, parks, shops, restaurants, and the Portland Hills Express Transit Terminal for quick commutes into Downtown Dartmouth and Halifax. Never shovel a driveway or push a lawnmower again, as your $510 monthly condo fee covers all exterior yard maintenance, snow removal, and municipal cold water. Call your agent for a viewing today.

10 Hillspire Grove, Dartmouth

$660,000
2 Beds 2 Baths 202622854 MLS
This suite gives you the largest square footage at Mont Blanc Residences, the north end condo conversion. Enter via your roomy foyer into your fully open-plan layout with views of the harbour throughout the open-plan living room, dining area, and kitchen. Large dining table? No problem as this space can easily accommodate a table for 10. Your private balcony is the largest at Mont Blanc, allowing you to sit outside and watch the sunset over the MacKay Bridge and Bedford Basin. All the suites at Mont Blanc include: brand new stainless-steel appliances, new in-suite laundry, bedrooms large enough for a king-sized bed, four-piece ensuite, multiple closets, new porcelain and luxury vinyl tile throughout, new toilets and lighting, and the peace of mind knowing you’re residing in a home constructed with ICF (Insulating Concrete Forms). The kitchen is an efficient U-shape with lots of cupboards, big breakfast bar, and a large pantry. The den is a roomy 12’ x 10’ and has its own closet. Add in a large storage room with built-in shelves and you’re set. Mont Blanc has Level 2 EV chargers at every parking space, ready to go. Tandem parking spaces are available underground, along with single interior and single exterior spaces. Parking is priced separately and all come with a storage locker. Two free-standing a/c units will be given for each suite. This building will have an on-site Resident Manager, reasonable condo fees, and is just around the corner from everything. Easy commute downtown or Dartmouth, and close to all the vibrant Halifax peninsula has to offer. The images shown are of a model suite with the same layout. Come take a look! Visit the Realtor's website for more information.

3807 Mont Blanc Terrace Unit 308, Halifax

$699,000
3 Beds 2 Baths 202622844 MLS
Some neighbourhoods you move into. Others, you never want to leave. Welcome to 18 Dahlia Street, tucked into Dartmouth's historic and coveted Flower Streets - a neighbourhood known for creating lifers, and a home that, like its namesake flower, embodies inner strength and enduring grace. Beautifully restored and thoughtfully renovated, this character-filled 3-bedroom, 2-bath home pairs the warmth of its past with the ease of modern living. Hardwood and softwood floors and custom built-ins bring timeless charm, while the warm and welcoming kitchen and baths, numerous ductless heat pumps, fully finished walkout basement and walk-up attic offer space to live comfortably, grow and make the home entirely your own. Outside, a sunny south-facing deck overlooks the backyard - a little pocket of calm in the heart of Dartmouth. And then comes the unexpected: a separate heated, wired and insulated 24' x 24' workshop/garage, plus an additional detached garage/storage building. With two driveways - one from Dahlia and another from Pine - there is remarkable flexibility here for a home-based business, studio, workshop, hobbies or simply the luxury of having room for everything. You’ll feel tucked into a quiet oasis, with the city at your doorstep - just a short walk from some of Dartmouth’s best-loved destinations, including Sullivan’s Pond, Lake Banook, downtown Dartmouth, and the Halifax–Dartmouth ferry. Full of character, beautifully evolved and set in one of Dartmouth's most beloved neighbourhoods, 18 Dahlia feels like the kind of place you arrive at - and stay.

18 Dahlia Street, Dartmouth

$219,900
3 Beds 1 Baths 202622841 MLS
Looking for a home that offers great value without stretching the budget? Welcome to 9057 Highway 101 in Brighton, a well-presented 3 bedroom, 1 bathroom bungalow that could be the perfect opportunity for first time buyers looking to make home ownership a reality. The main floor offers an easy, practical layout with convenient main-floor laundry, a spacious eat-in kitchen with generous counter and cupboard space, and an inviting living room filled with natural light. A heat pump provides the added comfort and convenience of both heating and cooling. The private backyard, surrounded by mature trees and established shrubbery, provides a wonderful green space for children and pets or simply to enjoy the outdoors, while the attached garage adds everyday convenience. The basement offers plenty of potential for those looking to expand their living space in the future/ Several updates have been completed since ownership, including a new garage door, walk-in shower, shed, and paved driveway in 2022, along with a new refrigerator in 2020. Conveniently located just minutes from the Town of Digby and its shops, restaurants, services, and amenities, this is an opportunity to purchase a comfortable home at a price point designed to fit the budget. Whether you're taking your first step into home ownership or simply looking for an affordable place to call your own, 9057 Highway 101 is well worth a look, schedule your viewing with a Realtor of your choice and come see if this could be your next home sweet home!

9057 Highway 101 Unit Lot 4-C, Brighton

$599,000
3 Beds 2 Baths 202622838 MLS
Set against the open farmland of Centrelea, this c.1897 farmhouse sits on over 13 acres with an established setup for horses, livestock and small-scale farming. At the centre of the farm is a 28x32 two-storey wired barn with box stalls and an upper hayloft/workshop with drive-in access. Recent trenching and fencing have further improved the property, including a 150x150 electric-fenced horse pasture with run-in shelter. Currently home to horses, cows, donkeys, goats, sheep, pigs, chickens and rabbits, the property is well equipped to put the existing farm infrastructure to use. The three-bedroom, two-bath farmhouse is a manageable 1,781 sq. ft., with the warmth and character you hope to find in a country home of this age. Natural light fills the rooms, while wood floors, high ceilings and two staircases speak to its farmhouse origins. The main floor includes a bright kitchen, mudroom, formal dining room, living room and spacious bath with laundry. Upstairs is a generous primary bedroom, two additional bedrooms, a full bath and broad central landing with room for an office or sitting area. Practical improvements include a full septic replacement in 2023, roof shingles in 2019, 200-amp electrical, generator panel, two ductless heat pumps, oil hot-water boiler and UV water treatment. Outside, the back patio catches the daytime sun and looks across the pasture, while the wraparound verandah is a natural place to sit and watch the western sky at sunset. Evenings are quiet, with the sounds of horses carrying across the field. The acreage is spread across two PIDs, extending from Highway 201 through to Highway 101, with approximately five acres cleared and the farmhouse, barn, pastures and animal areas occupying the established portion. Centrelea has a friendly rural community and active community hall, while the nearby rail trail offers another way to enjoy the countryside. Bridgetown is only minutes away for everyday amenities.

3692 Highway 201, Centrelea

$574,900
4 Beds 2 Baths 202622833 MLS
Welcome to 54 Parkdale Avenue, hitting MLS for the very first time with its original owners. This home has been well maintained over the years, with numerous upgrades throughout, including heat pumps for efficient heating and cooling. Full of charm and character, this is a home that has been cared for by the same family since day one. The main level features beautiful hardwood floors, a spacious living room and dining area, a kitchen with breakfast nook, convenient half bath, and a comfortable family room offering additional everyday living space. Upstairs you'll find four bedrooms, including a generous primary, along with a full bath. The unfinished lower level offers high ceilings and plenty of room for additional living space. With its own separate walkout entrance, the basement provides excellent potential for future development and the opportunity to add significant usable space to the home. Outside, the backyard is surrounded by mature trees, creating a private, wooded setting while backing directly onto Brunello Golf Course. The detached single-car garage is a great bonus, offering space for parking, storage, tools, or a workshop. Located just minutes from Bayers Lake and all of its shopping, restaurants, and amenities, with easy access to the brand-new community recreation centre and everything along Timberlea Parkway. The area continues to grow, with a new school planned for the community and the highly anticipated Nordic Spa at Brunello expected to open in 2027. A rare opportunity to own a home with plenty of charm, space, and future potential in a fantastic and growing location.

54 Parkdale Avenue, Timberlea

$775,000
3 Beds 2 Baths 202622832 MLS
Welcome to 40 Tucker Lake Road, where lakefront living feels like a getaway, but downtown Halifax is only 30 minutes away. Situated on a double lot with 122’ of lake frontage and your own private dock on Tucker Lake, this meticulously cared for home offers a peaceful waterfront lifestyle just minutes from shopping and popular amenities, including Lost Creek Golf Course. As you step inside this split-entry home, you’ll be greeted by freshly painted walls in all main areas. The upper level features an open-concept eat-in kitchen with cabinets designed and crafted by the acclaimed Eagle Cliff Kitchens. The spacious living room boasts stunning views of Tucker Lake and a walkout to a large 23’x9’, partially covered, deck where you can enjoy your morning coffee or entertain family and friends. The upper level continues with two bedrooms, including a primary suite with a walk-in closet and cheater ensuite. Downstairs, you’ll find a third bedroom, a three-piece bathroom with laundry, and a cozy family room with a walkout to another large 23’x9’ covered deck that you can enjoy year-round. But that’s not all this spacious home offers! Need additional space for a home office, gym, games room, man cave or she-space? This home has over 260 sq. ft. of additional space in the basement that’s bursting with potential! This low maintenance property provides all the benefits of a lakefront lifestyle without the hours of endless upkeep. The tightknit community, generous outdoor living spaces and peaceful surroundings are waiting to welcome you home. Your next chapter might just begin at Tucker Lake!

40 Tucker Lake Road, Beaver Bank

$699,900
3 Beds 3 Baths 202622830 MLS
Welcome to 107 Lancaster Drive, a beautifully maintained 2-storey Dartmouth home offering over 2,200 square feet of thoughtful living space and incredible energy efficiency. From the moment you arrive, the landscaped curb appeal, paved double driveway, and attached garage welcome you home. Step inside to a light-filled main level where a spacious living room flows seamlessly into an inviting kitchen. The adjoining dining area offers total flexibility—perfect as a main-floor family room, office, or extra bedroom—while main-floor laundry and direct access to a large tiered back deck make everyday living and summer entertaining a breeze. Upstairs, comfortable cork flooring runs throughout all three bedrooms, including a primary retreat complete with a walk-in closet and 3-piece ensuite. Below, an expansive lower-level rec room and massive storage area provide endless room to grow. What truly sets this home apart is its outstanding efficiency. Outfitted with a premium 6.75 kW Atlantic Solar system—featuring 15 high-output 450W panels and a Solis inverter—the home is engineered to generate 119% of its annual energy needs. Pairing solar production of over 8,500 kWh per year with ductless heat pumps means remarkably low power bills, year-round climate comfort, and long-term savings. Outside, your private backyard boasts mature trees and backs onto peaceful green space, while the unbeatable location places you minutes from Dartmouth Crossing, Mic Mac Mall, and Burnside. With quick access to both Halifax bridges and the airport, you're connected to everything while enjoying a quiet, well-established neighborhood.

107 Lancaster Drive, Dartmouth

$695,000
3 Beds 2 Baths 202622826 MLS
Set gracefully along a gentle rolling hillside, this beautifully presented country home looks as though it has stepped straight from the pages of a design magazine or your favourite Instagram feed. Light, airy, welcoming and effortlessly stylish, it strikes the perfect balance between modern comfort and timeless farmhouse character. But this property is about more than a beautiful home — it is a property with possibilities. Formerly a lavender farm and, before that, a sheep farm, a sprawling 3,350-square-foot barn offers an incredible canvas for whatever you envision. Whether you imagine livestock, workshops, farm-to-table gatherings, weddings, events, creative studio space, storage, or a combination of uses, this impressive structure provides the space and flexibility to bring big ideas to life. With high visibility and a picturesque setting, the opportunities are limited only by your imagination and local zoning requirements. The home itself has been thoughtfully updated, including a recently updated kitchen with new appliances and a gas range, new flooring, a refreshed main-level bathroom, brand-new second-level bathroom and a beautiful solid birch staircase enhancing the flow between levels. Step onto the covered veranda and take in breathtaking views across the Annapolis Basin toward North Mountain. Imagine morning coffee overlooking the water, growing something of your own, welcoming guests, hosting celebrations or building a business around what you love. This is more than a move-in-ready country home. It is a blank canvas for the life you’ve been imagining.

1896 Highway 1, Clementsport

$379,900
4 Beds 1 Baths 202622819 MLS
Ideally located in the heart of Eastern Passage, this property offers easy access to everyday amenities while being just minutes from the area's beautiful waterfront, beaches, walking trails, and the popular Fisherman's Cove. This property is well positioned for families and those looking to enjoy the relaxed lifestyle that Eastern Passage is known for. The property features a spacious lot with plenty of outdoor space for gardening, entertaining, or future improvements. The property currently has a 4 bedroom, 1 bathroom home which requires significant work, but the value here lies in future possibilities. Positioned on one of Eastern Passage's main commercial corridors, 25 Cow Bay Road presents an excellent opportunity for business owners, investors, and developers seeking exposure in a growing coastal community. The property is situated on Cow Bay Road, a high-visibility route connecting local residential neighbourhoods, business districts, and surrounding Halifax Regional Municipality amenities. The site is zoned C-2 (General Business), supporting a broad range of commercial, multi-unit residential and mixed-use possibilities. This strategic location benefits from consistent local traffic, strong community presence, and convenient access to Dartmouth, Shearwater, and Halifax. Enjoy the benefits of a vibrant, growing community with schools, parks, shopping, restaurants, and recreational facilities all nearby. Commuters will appreciate the quick access to Dartmouth, Shearwater, and downtown Halifax, making this an ideal location for work and play alike. Whether you're searching for a family residence or an investment opportunity, 25 Cow Bay Road offers exceptional value in one of Nova Scotia's most desirable seaside communities.

25 Cow Bay Road Road, Eastern Passage

$559,900
4 Beds 2 Baths 202622807 MLS
Welcome to this beautifully updated home in a sought-after neighbourhood, offering an exceptional blend of modern updates, generous living space, and outstanding outdoor amenities. Offering over 2,300 square feet of finished living space, this versatile home provides room for the whole family with three bedrooms on the main level plus a fourth bedroom on the lower level, along with ample storage and flexible spaces ideal for a home office, den, workshop, or hobby area. Extensively updated throughout, the home offers peace of mind with a fully upgraded 200-amp electrical system, new electric heaters, and a new ductless heat pump on the main level. The stylishly remodelled kitchen, new flooring, and updated bathrooms create a fresh, inviting interior that is truly move-in ready. Step outside onto the rebuilt deck and enjoy an impressive 24-foot round above-ground pool, creating your own private setting for summer entertaining, relaxing, and making memories with family and friends. Set on a generous 15,290-square-foot lot, there is plenty of outdoor space to enjoy, while the spacious 16 x 24 garage adds even more versatility for parking, storage, projects, or recreational equipment. With its extensive list of updates, impressive amount of living space, large lot, and exceptional combination of indoor and outdoor amenities, this is a home that offers both comfort and flexibility in a desirable neighbourhood.

21 Franklyn Drive, Beaver Bank

$379,900
3 Beds 1 Baths 202622803 MLS
Investment Opportunity with incredible Potential! Unlock the possibilities with this affordable 3-bedroom bungalow situated on an exceptionally large lot! Whether you're an investor looking for your next project, a developer seeking future rental potential, or a homeowner wanting to build immediate equity, this property offers exciting possibilities. The home requires updating, but it has a solid structure and a great foundation to build on. Unfinished basement provides valuable additional space and tremendous potential for future development. One of the standout features is the zoning, which allows for a 4-unit rental building, opening the door to an exciting income-producing opportunity. The property sits on a level lot measuring over 10,000 square feet — approximately twice the average lot size with beautiful, mature trees providing privacy and a welcoming setting. For those looking to make this their own home. There's tremendous potential to build immediate equity through renovations and improvements. Create the perfect home for you and your family, while exploring the possibility of an in-law suite or legal basement apartment to generate additional income and help offset your mortgage costs. Location is second to none! Surrounded by amenities such as Cobequid Medical centre, Sackville Sports Centre, amazing schools, Metro Transit, First Lake with walking trails, supervised beach, playgrounds, Bedford Commons and More. You can't afford to miss out on this one! Book your private viewing today!

51 Pinehill Drive, Lower Sackville

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