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Whether you're ready to make a move or just exploring your options, we're here to help. No pressure, no obligation. Just honest advice from experienced professionals who care.
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905-447-5842
team@willowsgroup.ca
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Office
Royal LePage Frank Real Estate
268 Queen St., Port Perry ON L9L 1B9
Office: 905-985-9898
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Common Questions
Answers to the questions we hear most from buyers, sellers, and Durham Region homeowners.
Buying
What does it cost to sell my house?
Our commission structure is competitive and fully transparent. We'll walk you through all costs upfront during our initial consultation so there are no surprises. The exact cost depends on your property and market conditions. Book a call and we'll provide a detailed net estimate.
How much do I need for a down payment in Canada?
In Canada, the minimum down payment is 5% on the first $500,000 of the purchase price and 10% on the portion between $500,000 and $1,500,000. Properties over $1.5M require a minimum 20% down payment. First-time buyers can use the First Home Savings Account (FHSA) or the Home Buyers' Plan (HBP) to help save. Your mortgage advisor can help you determine the right down payment strategy for your situation.
What are closing costs for buyers?
Closing costs typically range from 1.5% to 4% of the purchase price and include land transfer tax, legal fees, title insurance, home inspection costs, and property tax adjustments. In Durham Region, Ontario's land transfer tax applies (no additional Toronto land transfer tax). For a $600,000 home, budget roughly $7,000 to $12,000 in closing costs.
How long does it take to sell a home in Durham Region?
Days on market vary by price point, location, and market conditions. In a balanced market, well-priced homes in desirable Durham Region communities often sell within 15 to 30 days. Waterfront and luxury properties may take longer. We provide a customized marketing timeline based on comparable sales in your specific neighborhood.
Should I get a home inspection?
Absolutely. A home inspection is your best protection against unexpected repairs and major issues. A certified inspector will examine the structure, roof, electrical, plumbing, and HVAC systems. We strongly recommend including a home inspection condition in your offer. The $500 to $700 investment can save you thousands in uncovered problems.
What is a property disclosure statement?
A Property Information Statement (PIS) or Seller Property Information Statement (SPIS) is a voluntary document in Ontario where the seller discloses known issues with the property. While not mandatory in Ontario, we often recommend sellers complete one to build transparency and buyer confidence. It covers items like water damage, structural issues, permits, and boundary disputes.
How do I prepare my home for listing?
Start by decluttering and depersonalizing every room. Complete minor repairs like leaky faucets and patched walls. Consider professional staging to help buyers envision themselves in the space. Boost curb appeal with fresh landscaping and a clean entrance. Professional photography is essential. Over 90% of buyers start their search online. Check our Seller Checklist for a complete step-by-step guide.
What documents do I need to sell my house?
Your real estate lawyer will need the original purchase deed, property tax information, mortgage statements, and any renovation permits. You'll also need to complete a listing agreement with your agent and provide disclosures about known property issues. We guide you through every document so nothing is missed.
Selling
What if I don't like my realtor?
We believe in earning your trust through every interaction. If at any point you're not satisfied, we encourage an open conversation. Our goal is to make sure you feel supported, informed, and confident throughout the entire process.
Can I sell my home myself?
While it's possible to sell your home independently (FSBO), studies consistently show that properties listed with experienced agents sell for more and close faster. We handle pricing strategy, marketing, negotiations, and legal coordination. Our expertise and market reach often more than cover our commission in added value.
What does a realtor really do?
More than you might think! We are market analysts, pricing strategists, marketing professionals, negotiators, project managers, and emotional support, all in one. From the first conversation to closing day and beyond, we handle the hundreds of details that make a successful transaction. Your time is valuable, let us handle the heavy lifting.
Are there HOA fees in Durham Region?
Unlike in the United States, homeowners association (HOA) fees are not common for detached homes in Ontario. However, condominium and townhouse communities often have monthly strata fees (condo fees) that cover building maintenance, insurance, common elements, and reserve fund contributions. Always review the status certificate carefully before buying a condo to understand current fees and any pending special assessments.
Local & General
What schools are in the Durham Region?
Durham Region has excellent educational options including the Durham District School Board (DDSB) with over 130 elementary and secondary schools, the Durham Catholic District School Board (DCDSB), Conseil scolaire Viamonde for French-language education, and Conseil scolaire catholique MonAvenir. Clarington is served by the Kawartha Pine Ridge District School Board and PVNCCDSB. Many schools offer French Immersion, Advanced Placement, and specialized arts programs. Visit our Schools & Family Guide for a community-by-community breakdown.
How is the commute from Durham Region to Toronto?
Durham Region connects to Toronto via Highway 401, the GO Train (Lakeshore East line), and GO Bus services. Pickering to downtown Toronto takes about 25 to 30 minutes by express train. Whitby to Toronto is approximately 40 to 50 minutes by train. Communities like Port Perry and Uxbridge are about a 60 to 75 minute drive. With hybrid work becoming more common, many families are choosing Durham for its space and quality of life, even with a longer commute a few days a week.
What's the difference between a broker and a salesperson?
In Ontario, a real estate broker has completed additional education beyond the salesperson level and can manage their own brokerage. Both Keith and Lisa are licensed Brokers with over three decades of combined experience. While a salesperson must work under a broker, as Brokers we have deeper expertise in legal and regulatory matters and can operate independently. Every agent at Royal LePage Frank Real Estate is held to the highest professional standards.
Can I buy a home that's still under construction?
Yes, buying pre-construction can be an excellent option in Durham Region, especially in growing communities like Whitby, Courtice, and Bowmanville. There are important differences from a resale purchase: you'll typically pay a deposit and wait 1 to 3 years for completion, and the final price may change with development charges or upgrades. We recommend working with a real estate lawyer experienced in pre-construction contracts and reviewing the Tarion warranty coverage carefully.