Residential Property in Canada
From Toronto condos to suburban family homes — we guide buyers through every step of purchasing residential property in Canada. Resale, financing, and neighbourhood expertise in one team.
What We Offer
- Resale homes, condominiums and townhomes across the GTA
- First-time buyer guidance and FHSA / RRSP HBP planning
- Newcomer & PR applicant purchase support — even without Canadian credit history
- Mortgage broker referral and pre-approval coordination
- Neighbourhood analysis — schools, transit, growth, safety
- Offer strategy in bidding-war markets
- Pre-inspection guidance and conditional offer drafting
- Closing cost forecasting (land transfer, legal, adjustments)
How the Process Works
From first consultation to keys in hand — every stage clearly mapped.
- 1
Discovery
We learn your goals — owner-occupier, investor, first-time buyer — your timeline, family needs and immigration status.
- 2
Mortgage pre-approval
We refer you to a trusted mortgage broker — including newcomer programs that work without a Canadian credit history.
- 3
Property tours
We curate a shortlist matched to your budget, must-haves and neighbourhood profile — then tour together (in person or virtual).
- 4
Offer & negotiation
We draft the Offer to Purchase with the right conditions (financing, inspection), price strategy and irrevocable timing.
- 5
Inspection & conditions
During the conditional period, we coordinate the home inspection, status certificate review (condos), and confirm financing.
- 6
Lawyer & closing
We refer a real estate lawyer to handle title, land transfer tax and adjustments. You sign closing documents and receive keys on closing day.
Why ITC iLand
Most agents sell houses; our team aligns your purchase with your immigration file. We work alongside our licensed RCICs to ensure ownership timing, source-of-funds documentation and residency intent are all consistent with what you have already filed with IRCC. Mortgage broker, real estate lawyer and tax accountant referrals are coordinated under one roof.
Frequently Asked Questions
Yes — permanent residents, work permit holders (with one year of work authorization), refugees and Canadian-spouse non-residents can buy. The federal non-Canadian purchase ban (extended to 2027) has clear exemptions. We confirm eligibility before any offer.
5% on the first $500,000 of purchase price, and 10% on the portion between $500k and $1.5M. Over $1.5M requires 20% minimum. Foreign nationals may face higher minimums (often 35%).
Plan for roughly 1.5–4% of purchase price on top of the down payment: Ontario land transfer tax (Toronto has a second tier), legal fees, title insurance, home inspection and CMHC mortgage default insurance if applicable.
Helpful but not required. Several lenders offer newcomer mortgage programs accepting international credit reports, proof of foreign assets and a larger down payment in lieu of Canadian history. We refer brokers who specialize in newcomers.
From signed offer to keys: typically 30–90 days. From first showings to a successful offer can range from days (in competitive markets) to several months — your timeline drives everything.
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Ready to Get Started?
Book a free consultation with our real estate and immigration specialists — a strategy built around your profile.