5 SECRETS To Know Before Buying A House In Canada! First Time Home Buyers Guide 🏡 🇨🇦

[@ayodele2013]

This is one channel I always hit the like button before the video starts. Because I already know the video is a banger.

[@TheOTLoveTrain]

🥰🥰🥰 Awww, thank youuu 🥹

[@leahm8258]

This is the most valuable content I've watched on home buying by immigrants in Canada. Thank you for your honesty. I appreciate you and I'm enlightened.

[@FFTLInspired]

A realtor might be important because from the commission given to realtors here in the US, you can get a percentage like 1% or more and realtors usually receive like 3-5% commission so imagine how much that is. If you don’t use a realtor, that money is lost. Some people don’t use a realtor and they don’t get this money because they don’t know this. You as the buyer is not the person paying the realtor but the seller so there is nothing to lose as a buyer. I recommend using a realtor always even when you have done some part of the work yourself. Don’t leave money on the table. Probably things work differently in Canada

[@Beautyfulchild25]

Just some clarification for Canada’s housing Market , realtors are an important part of the process for buying homes. In their particular situation, they were working with a builder for a custom home so there is not much need for realtor in their case . If a person is buying an already made home , a realtor is necessary to help find and secure the perfect home that fits the needs of the buyer . I Hope this helps.

[@FFTLInspired]

@@Beautyfulchild25 I understand. Here in the US, same would still apply when working with a builder on a custom home. It’s totally optional but not using a realtor would be leaving money on the table.

[@dlbcnewfoundland3082]

@@FFTLInspired it applies in Canada too even when you are building by yourself

[@am566-h7m]

Also some realtors partner with builders and they are able to gets cheaper rate on new builds.

[@themortgagechic_ca]

This also applies in Canada 🇨🇦

[@moyosoreobaseke]

Toyosi, your blue sweaters looks amazing 😘

[@TheOTLoveTrain]

Thank youu 🥹

[@olajumokeakosile1386]

I love your laugh Dorothy☺️. Thank you for the information guyssss. I will need it one day. Amen!

[@TheOTLoveTrain]

🙏🏾🙏🏾🙏🏾🙏🏾

[@biolabiola85]

Guys I don't leave in Canada but I like you guys manners that's why I will subscribe

[@TheOTLoveTrain]

Awww thank you soo much 🥰

[@afr1ca0racle91]

i am happy for you guys. keep the basement warm for me. i just got an accommodation in your house.😎

[@TheOTLoveTrain]

😄

[@julietchi5480]

Am happy for you guys hope you guys will help me and my husband to buy a house too

[@TheOTLoveTrain]

🥰

[@auntyjayne]

“Responsible debtor”😂 Thank you for this!

[@spektacoola_]

😂😂😂😂 you guys are just so amazing 😊😊😊 I love you guys like mad. I will relocating to Canada 🇨🇦 next month. Alberta, to be precise. It would be a privilege to see you see you lice. I can't wait. 😊

[@nkems_space]

I love the OTLT content, there’s always something to learn. Well done OTLT 💪🏽💪🏽

[@TheOTLoveTrain]

Whoop whoop, thank you! 🥰

[@Being_Fola]

I lurrrvveee this new couch and the artwork behind, LOVELYYY 🎊😻♥️ Infact, the video in its entirety is so crisp 😻💯 And by the way, is it just me or this video looks like one of your first videos; your Pr story video I guess 🤔 it’s doing me like deja vu😂 Just that it’s a different topic entirely and Dorothy was sitting on the right if I am not mistaken 😆🥰 Thank you so much for sharing these powerful tips with us. God bless you abundantly. I, Folashade Adebayo taps into this blessing from Oluwa 😅🙏🏻🙌 Na real “responsible debtor” 🤣🤣🤣 Congratulations once again my people ♥️

[@TheOTLoveTrain]

Hahaha, thanks for the love Fola! Ire a kari oo 🥰🥰🥰 Na real DeJaVu loool 😂

[@bangibabs]

You guys are doing well shaa! A huge congratulations 🥳 🎊🎉. Here’s to many more blessings and being intentional ❤. Such an amazing achievement and we praise God🙏🏾💝👏🏾🙌🏾

[@TheOTLoveTrain]

Thank you so much 🤗

[@themortgagechic_ca]

Congratulations on your new home guys ! Glad it all worked out for you!

[@TheOTLoveTrain]

Thanks you 🥰

[@oyindamolaalao]

You see the how to save d money ehn without saps sapaing person na the tips I Dey find like this. Thank you for this video guys. Don’t take long to send us the remaining videos o. Trust me to keep asking. Na me yinn o. I don put my original name. Still waiting to jam you guys for road sha in this Calgary. Dorothy looks amazing my the way.

[@TheOTLoveTrain]

Hahaha, lmaoo so the full name be this? We don register am oo 😂😂😂😂

[@TheWorldofSam]

Abeg shey you don change camera ni? This new video quality mad gan ooo 😍😍

[@TheOTLoveTrain]

Same camera o 😂

[@dammybanty4740]

Exactly, it disturbs my head to know that i owe!

[@TheOTLoveTrain]

😂😂😂

[@MinnieOnCam]

I love how these new to Canada channel, show me things and I'm born in Canada. I also have a channel I know how hard it is to get the subscribers.

[@TheOTLoveTrain]

🙏🏾🙏🏾🙏🏾

[@divadiva684]

I would rather use a realtor as they have connections to a wider selection with massive experience. By using a realtor you also transfer the initial stressful process & closing to a realtor & focus on other issues as buying a home or building is a very exciting but stressful process:

[@TheOTLoveTrain]

That’s okay! Different strokes for different folks like we said 😜

[@simplicekome7300]

Thanks for all the information you guys share.

[@OMOLARAOBAFEMI]

We are anticipating the next video 🎉🎉🎉

[@Shelone]

It’s hilarious to me how many realtors are on here saying you need to use a realtor. You absolutely do not. In fact, you will get a discount on your house because the builder doesn’t have to pay a percentage to the realtor. They don’t want you to know that though 😂😂😂

[@TheOTLoveTrain]

Wawuuu! This is an eye-opening revelation o! 😂😂😂😂 See how they were now really commenting 🤣🤣🤣

[@novellprice132]

Nice to see my Juniors progressing. Keep moving on up my dear Brother and Sister. This is what I like. Everyone that I know are very successful in their good lifes. As long as it is for any good purpose in life. All the good life blessings always from our Almighty God. And we give thanks and praise to our Almighty God for the good life blessings. Peace and God bless from the one and only Novell...

[@TheOTLoveTrain]

🥰🥰🥰

[@sholaidowu350]

Great presentation. Using a Realtor is very important. People should not be dissuaded from using a Realtor, the role of a professional cannot be downplayed. Congratulations on your new home.

[@TheOTLoveTrain]

Thanks! Different strokes for different folks like we said 😊

[@simeonshagba]

Thanks for the video and congratulations on your new home. i will join you there in a couple of years after my NYSC

[@stephanielawson1815]

OT love train I will definitely visit when I land, u both are my dear friends so motivating

[@TheOTLoveTrain]

🥰

[@JanetAnaukwu]

Nice one 👍 thanks for sharing this vital information with us 👍 we are taking note 📝

[@olaidemicheals527]

Congratulations once again💃🏾💃🏾💃🏾 most beautiful couple on KZbin,and that’s on PERIOD👌😊😘

[@TheOTLoveTrain]

😆😆😆😆😆

[@OMOLARAOBAFEMI]

The quality of this video 🥹🥹🥹🥹🥹🥹

[@TheOTLoveTrain]

🥳🥳🥳🥳

[@chimmiee]

I Smiled All Through,Y’all Are Interesting 😂

[@TheOTLoveTrain]

Thanks you soo much 🥰

[@Wapuke]

You guys are amazing!!❤😍

[@thelmachizoba1631]

Congratulations!!!

[@oliviap7496]

I love you guys so much! Role models❤

[@TheOTLoveTrain]

Thanks you soo much 🥰

[@charlesdaltons8061]

I love you guys see u next year. U are an inspiration ❤️

[@TheOTLoveTrain]

Thanks you soo much 🥰

[@Omotolalaw]

love you guys, all loaded and enlightening video .happy couple🥰

[@TheOTLoveTrain]

Thank youuuuu 😁😁

[@TosTosTV1]

It's always the bloopers for me!😂

[@TheOTLoveTrain]

😂😂😂

[@olubunmionare6181]

Great video. Congratulations on your new home. Using a Realtor is however very important, even with Custom built homes. Realtors understand the technicalities with the building. My Realtors gave us great tips that we wouldn't have known. Also, the builder pays the Realtor, so why not allow them enjoy the benefit, rather than allow the builder walk away with it.

[@TheOTLoveTrain]

Thanks! We didn't need one so we didn't go out of our way to look for one 😊

[@OMOLARAOBAFEMI]

“To do all these things early “ can only be done when you have money oo😂😂😂

[@TheOTLoveTrain]

Lmaoo all of una dey capable naa 🥳🥳🥳

[@emmanuellaumoera8086]

Olu ooh. Lol lol lol. So fun, Congratulations once again!!

[@bilardish]

Would you say being a couple and combining funds made it easier as opposed to being a single rider and trying to achieve same feat.

[@Flourish_today]

Definitely!

[@TheOTLoveTrain]

Fo Shizzle!

[@Thisisyeychii]

You guys are so funny 😂. Thanks for the info

[@TheOTLoveTrain]

😃😃😃 Thanks for watching!

[@iyanuoluwaisrael8321]

I'm learning a lot from you guys

[@TheOTLoveTrain]

Thanks for watching!

[@stephaniefegor2710]

Pls can u make a video of how a person with survival job can buy a home

[@mustaphaafolabi2510]

i am moving to calgary… toronto is crazy. see how everything is easy

[@TheOTLoveTrain]

Hahaha, you are welcome in advance!

[@Bibzthebarb]

These were all very helpful tips 👌

[@TheOTLoveTrain]

🙏🏾🙏🏾🙏🏾

[@faddtayo]

New sub here. I have now subscribed. Congratulations guys. Super excited for you both. Such an achievement 👏 👌 🙌

[@TheOTLoveTrain]

Thanks so much! 😊

[@femmz100]

Congratulations guys.

[@awanioluwabusola2144]

Thank you for all the information y’all keep passing across❤

[@TheOTLoveTrain]

🥰🥰🥰

[@babusisibanyoni402]

Thanks guys this was informative

[@TheOTLoveTrain]

Glad it was helpful!

[@HilaryMaeva]

Yeahhhhhhhh 🎊🎊🎊🎊🎊 Much love from cameroon 🇨🇲

[@TheOTLoveTrain]

🥰🥰🥰

[@ngozienwerem8542]

You guys are doing amazing work 👏

[@TheOTLoveTrain]

Thanks you soo much 🥰

[@stephaniefegor2710]

Being waiting for d next video on how u achieve it, save , how much like it cost on down payment, can student on survival job do it, pls update us we your loyal subbie, waiting for 4months now

[@TheOTLoveTrain]

Coming soon 😊

[@Yemlizluxuriesfragrance]

Congratulations to you guys 💃💃💃

[@TheOTLoveTrain]

Thank youuuu 🥰

[@adewusioki4519]

GOD BLESS YOU GUYS, THANKS FOR THIS VIDEO

[@TheOTLoveTrain]

Thanks you soo much 🥰

[@BabyJeffrey822]

Congrats guys! Happy for you both. I just subscribed this morning o! So anytime I have questions, make sure you answer me very well 😁am actually new in calgary so things are bit fuzzy. Thank you for your amazing videos though.😊

[@TheOTLoveTrain]

Awesome! Thank you! Welcome to Calgary 🥰

[@ayobamimac]

I just subscribed and I'm a Realtor 😭😭😭 . Congratulations 😁😁😁

[@TheOTLoveTrain]

Hahaha, no mind us jareyyy 😂🥰🥰

[@oluwaseunsoyinka3053]

There's always something to learn from you guys. 💗

[@TheOTLoveTrain]

Aww thanks!

[@okungbowarafiet8448]

Thanks for sharing!

[@TheOTLoveTrain]

Thanks for watching!

[@faithogunsola5184]

Liked and saved ❤

[@TheOTLoveTrain]

🥳🥳🥳

[@karlm8067]

Liked and subscribed and will recommend your channel to friends 😂

[@TheOTLoveTrain]

Awww, you;'re the best! 😂🥰🥰🥰

[@olorundasarah372]

Congratulations 🥰

[@TheOTLoveTrain]

Thanks 💯

[@nasicemoney]

I love you guys❤️❤️❤️

[@arc_chididfiners]

First to comment, God bless you guys

[@TheOTLoveTrain]

🔥🔥🔥

[@spriritualityawareness7893]

love you guys

[@TheOTLoveTrain]

Thanks you soo much 🥰

[@buchicritic]

I’m from tiktok do you have cassava Ewa 😂😂😂 Very big specialty 😂😂

[@TheOTLoveTrain]

🤣 abeg naaa

[@opeyemiajeigbe6659]

Love your banter, kudos guys🤩

[@TheOTLoveTrain]

🥰🥰🥰

[@opeyemioluwapelumi2129]

My favorites ❤❤❤❤

[@BunmiAmara]

Congratulations

[@kingsleyeromosele1824]

Thank you guys. This video is super educative

[@justkettia2452]

New subscriber

[@OMOLARAOBAFEMI]

Welcome ❤❤❤❤❤🎉🎉🎉🎉

[@TheOTLoveTrain]

Welcome aboard 🥰

[@OMOLARAOBAFEMI]

Wetin be this 😂😂😂 Olus said awww I don wanna go 😂😂😂

[@TheOTLoveTrain]

😂

[@AgressTV]

Great job guys... I'm a realtor in Nigeria and I'll like to get into U S and Canada Market, hope I can get a builder/Developer to work with ? If you have anyone on your list, kindly link me up pls

[@Teesugar999]

Dorothy you are looking more beautiful

[@TheOTLoveTrain]

Aww thanks 🥰

[@evalsamelemi9930]

❤️❤️❤️❤️Awwwnnn...see as Una fine😩😩😩

[@mabelscorner20]

Great tips. It's same way here in America... Question: if someone has a good credit and history in America, can they apply that in Canada to buy a property?

[@TheOTLoveTrain]

I think you should be able to since database is shared and verifiable between both countries but do some research 😉

[@kilobravo6726]

No. This doesn't work. You need to establish a separate credit history for each country.

[@denmafamily]

Awn so interesting ❤

[@TheOTLoveTrain]

🥰🥰🥰

[@oluwabusayomia]

very informative video. well done guys

[@TheOTLoveTrain]

Thanks for watching!

[@theresaokolo1657]

How did you lock in the house?

[@tanisawilson5041]

I love this. Thank you guys so much for sharing these information. This so informative for me. God’s blessings to you guys for not being selfish. Bye way you guys now have a new subscriber. This is gold! Please can I have your email or Mortage advisor information.

[@TheOTLoveTrain]

Thanks for watching! Please send us an email for the contact 🙏🏾 [e-mail]

[@ujunwadoris3494]

Thank you for this video Talking about down payment....after paying the down payment will u live in the house immediately to complete the payment at the said agreement

[@TheOTLoveTrain]

You’ll need to pay your full down payment before possession 😊

[@OMOLARAOBAFEMI]

You guys are owing us plenty videos oo Just know that

[@TheOTLoveTrain]

We go surprise you tomorrow!

[@moyosoreobaseke]

Olus don start again, which one be 'responsible debtor'?

[@TheOTLoveTrain]

😃😃😃

[@firdawsalaga3919]

Eyin temii🥰

[@TheOTLoveTrain]

😁😁😁

[@anaemechimobimarcel5083]

I have subscribed oooooooooo

[@TheOTLoveTrain]

Hahaha nice oneeee 😝

[@PREPPYKIAFEED5]

Tnks alot for the information, I'm here in Canada as a single mom,pls how possible would it be for me to buy a house. I'm a PSW.thank u.

[@TheOTLoveTrain]

It’s definitely possible! 💪🏾💪🏾💪🏾

[@themortgagechic_ca]

It's definitely possible, you definitely get a mortgage advisor...1st step.... I'm happy to help of course!

[@SunshyneJojo]

Ah ah ok fine I have subscribed….

[@TheOTLoveTrain]

😁😁😁

[@favourdiepreye2664]

Love you babies

[@preciousonuwaje2322]

Oya thank me

[@ayomideharmony9261]

Thanks for always guys! Quick question,please. So how do you get information on show homes that are available for viewing , especially for the pre constructed ones. Thanks!

[@divadiva684]

If you're doing the work by yourself, it means eg you drive by & ask the construction company normally they build show houses at the site & use one of the homes as an office so you will find them at the site, or word of mouth from friends, online research etc but if you're using a realtor they do the work for you, you tell the realtor what you want eg specifically tell them you want a new home or hope to buy a show home ie homes that builders used as model homes but they're selling them as they've completed building in that location.

[@TheOTLoveTrain]

Yuup you’ll need to shop around if you’re doing the work yourself - like drive around or search for new homes and locations online

[@Norkadventure]

Hi OT lover, I just discovered your Chanel, I love your video, please can I have the contact for the mortgage advisor please

[@TheOTLoveTrain]

Thanks! Please send us an email 😊

[@atisoyin]

Please send details of your advisor…thanks

[@TheOTLoveTrain]

Please send an email

[@belindankrumah5517]

Where did you find the show homes ?

[@TheOTLoveTrain]

Look out when you drive around or google 😊

[@estherlabakealabi4223]

😂I have subscribed

[@TheOTLoveTrain]

🥳

[@ochuutv7195]

Good for you guys.... funny face how HOMES are very cheap in your province.... I suggest you should have made this video specifically for your province... YOUR tips are good enough.. but depends.. not all province are the same.. Good jobs for sharing the littlest tips... You need to tie your wrapper very tight and plans very well make e nor go CHOKE YOU WEY WAN BUY.... #SHALOM

[@TheOTLoveTrain]

Please go and make your video and direct yourself what to do there 😊 #SHALOM

[@ochuutv7195]

@@TheOTLoveTrain E enta ya body 🤔🙄🥴… as long as you got the message 🍾🥴 #SHALOM

[@igbokwemiriam991]

Contact of the Advisor pls

[@TheOTLoveTrain]

Send us an email 😊

[@OMOLARAOBAFEMI]

Till today I don’t understand this credit score wahala . To be honest I sha know I use my credit card and pay back almost immediately I really don’t like gbese as a Nigerian o😂😂

[@TheOTLoveTrain]

😂😂😂😂 na wetyn need understanding be that lol

[@AijO.E]

If you pay back your credit card immediately you spend and before your statement comes out, then you aren’t building your credit. You need to have a statement balance (but make sure it’s not above 30% utilisation) and pay it off before the due date. If you pay back immediately you spend and your statement balance is 0, it’s not counted as being used.

[@OMOLARAOBAFEMI]

@@AijO.E ohh okay thank you for this .

[@precioussawyerr1519]

Paid mortgage advisor or provided by the bank?

[@TheOTLoveTrain]

Not provided by the bank

[@marach3162]

Thanks OTLT as always for the meaningful info ❤ So, when exactly can one pay the down payment? Cos you mentioned while they’re building the house, you have the time to start gathering funds. Does it mean down payment can be made while the house is being built?

[@TheOTLoveTrain]

Yes you can pay while they are building but you usually have to pay like half upfront and the rest can be spread for just a few months (2-4 in my experience). Also please note this is when dealing with a trusted builder who you have visited and researched - beware of spam comments here asking you to reach out 😊

[@OMOLARAOBAFEMI]

5% is not bad o

[@TheOTLoveTrain]

Rich people talking!!!

[@SecuritySavvyChick]

Afi responsible debtor 😂😂😂