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For a property under $500,000, the minimum down payment is 5%. For properties priced at $1,000,000 or more, a down payment of at least 20% is typically required.

On average, it takes between 60 and 90 days. The timeline can vary depending on your pre-approval, the number of property visits, and the conditions included in the offer to purchase.

Pre-qualification is a quick estimate based on the financial information you provide. Pre-approval is a formal commitment from the lender after a full review of your financial situation. A pre-approval carries more weight during negotiations.

No, but it is strongly recommended. Without an inspection, you purchase the property as-is, and unexpected issues can become very costly.

It is a municipal tax payable in the months following the purchase of a property. The amount is calculated based on the purchase price or the municipal value of the property (whichever is higher). As a quick estimate, expect roughly 1% to 1.5% of the purchase price.

Yes, but restrictions have applied since January 2023 for non-resident and non-citizen buyers. A broker can confirm your eligibility based on your specific situation.