588 Berford St Wiarton, ON N0H 2T0
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Homeownership Program Application

Buyer Representation Agreements

Did you know all realtors work on behalf of the seller of a home and not the buyer? This is true, unless you are working with a Realtor under a Buyer Representation Agreement

Buying a Cottage, or Home or investment property can be one of the largest investments we all make in our lifetimes, You want your interests to be represented and protected

By law, all realtors showing you a property, work in the best interest of the seller unless you sign a Buyer Representation Agreement with a realtor who will work exclusively on your behalf during a home purchase. Without it, under the law of the agency, realtors must pass on any information that may influence the home-buying negotiations to the sellers of the home that their customers are bidding on; even how much they would pay for the home or any of their motivations!

You now have two choices under Agency relationships customer relationship or client relationship.

Customer Service Agreement is a disclosure form that states that the realtor is NOT working for you as a buyer, but is providing customer service (fair and honest treatment, factual information about the property that is not visibly evident and to answer any questions you ask about the condition of the property) to you.

Buyer Representation Agreements states that the realtor is working for you and that you are bound to that realtor for the term of the agreement with a holdover period. In this case, your realtor is bound to you with fiduciary duties: loyalty, obedience, full disclosure, duty to use skill, care and diligence, duty to account for all monies and to protect your information. A very important fact is that it also allows the realtor to share his/her expert opinions, giving you full advantage of their knowledge and expertise. It now is their duty to you their client to answer questions that you may not even know to ask and a realtors accountability to you, the client, is now is paramount.

In the Buyer Representation Agreement nowhere does it state that you have to buy anything. It only states that if you do that you will use this particular brokerage and that they will be compensated for the service provided.

REMEMBER a realtor gets paid via commission that comes from the seller’s listing agent. Unless it states clearly on the customer service commission agreement how much you will pay the realtor.

How do you become a client? 

The buyer sign an exclusive Buyer’s Representation Agreement with a realtor. Usually, the buyer agrees to work with the realtor for a specified period of time and the realtor agrees to represent the buyer’s interests to the fullest.

Why not protect your interests?

Hire the person with the most knowledge to work on your behalf and to do it at no extra cost!

Ask Why?

The document should not be slipped into a stack of paperwork during an offer on a particular property, it's a little late in most cases.  This should be discussed at the first opportune time, Before you start looking at properties, so that you understand that I am working for you!

If you have any questions, please give us a call, we would be happy to guide you.


Investment in Affordable Housing
Homeownership Program Application

The Homeownership Program is designed to provide renters with a loan, up to 5% of
the purchase price, to assist them in purchasing their own home. The program assists
eligible applicants in the purchase of a home that does not exceed the purchase price of
$221,000. Deadline for the program is December 31, 2014 or until funds are
Approval for funding is based on the information provided by applicants and conditions
for the funding include, but are not limited to the following:
 Applicants must be Canadian Citizens, Landed Immigrants or have Refugee
Claimant Status
 At least one person must be 18 years of age
 Applicants must not owe arrears to any social housing provider
 Applicants do not currently own a home and are renting
 Applicants do not have assets over $30,000
 Applicants have a maximum household income of $66,200
 Applicants will use the purchased home as their sole and principal residence
 Applicants qualify for a mortgage
 A home inspection must be completed for the home being purchased



Hire a Professional Full-Time Real Estate Broker

A qualified, competent and full time real estate broker will help you navigate the myriad of decisions that arise when buying and selling a home. A broker provides value to the homeowner in many ways: 

  • Pays for all marketing and advertising costs.
  • Adds experience and expertise in all aspects of the sales process including marketing, financing, negotiations and more. 
  • Handles all showings.
  • Brings a network of known, trusted real estate professionals. If your broker doesn't have the answer, he or she likely knows someone who does.
  • Always has your interests in mind so you always have someone on your side.
  • Can handle and advise on all price and contract negotiations.
  • Provides you with all the possible options and opportunities without holding back.
  • Gives an unbiased, realistic view of your home and your options. Unlike buyers and sellers, a broker has no emotional attachment to property.
  • Has the knowledge to help you ask the right questions.
  • Being a third party, potential buyers are more likely to tell your broker the truth about your home, even if it is unflattering. This objective viewpoint will help you make the necessary changes to get your home sold.
  • Your time is valuable. A real estate broker allows you to spend your time how you want.

Buying Services for Grey and Bruce & Bruce Peninsula Home Buyers


Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage. The equity you earn is yours.  Over time, your home will increase in value.

In the following reports, you'll find the information you need to make a wise buying decision.  We'll take you through the planning process step-by-step , to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me if you have any questions about buying a home in Wiarton Grey Bruce or elsewhere in Ontario.


Below, select desired reports and complete the form provided.



Buying Your First Home
Many renters are starting to think about purchasing a home of their own. This article highlights several factors that should be considered when purchasing a home.
The Right Home at the Right Price
This article helps you become a savvy buyer, by pointing out some of the pitfalls inherent in the home-buying process.
Avoid Common Buyer Errors
Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
But Do You Need It
Buying a home can be an emotional, time-consuming, and complex process. There are a few things that you can do to help make the process go as smooth as possible.
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