If you are a first time buyer, you do not need more scrolling. You need a clear plan you can trust.
This page outlines what we cover in an initial call, what to prepare, and what happens next.

This is not a sales call. It is an orientation. The goal is to reduce noise, protect your budget,
and turn “we think” into “we know.”

McGillivray Trusted Agents for Barrie, Innisfil, Oro-Medonte, Orillia, and Simcoe County

What this plan is

The “clean plan” is a simple, practical reset. We clarify where you are in the process, what you can actually afford,
and what your next decision should be. You leave with a clear path, not a list of vague suggestions.

  • A decision-ready budget range (comfort first, not maximum)
  • A short list of neighbourhood and property filters that match your real life
  • A timeline that reflects your work, family, and approvals
  • A clear “next three steps” plan you can execute

Who this is for

  • You are early-stage and want to know what to do first
  • You are pre-approved but still unsure what you should spend
  • You are touring and feel like every house is a new argument
  • You want a REALTOR who explains things plainly and does not rush you
  • You are buying in Barrie or Simcoe County and need local context

What we cover in the plan call

1) Where you are right now

  • Timeline and urgency: real deadlines versus pressure
  • What you have already done (pre-approval, savings, job changes, lease timing)
  • What is making the decision feel heavy or unclear

2) Your numbers, in plain language

  • Down payment, closing costs, and what to keep in reserve
  • Monthly carry: mortgage, taxes, utilities, condo fees (if applicable)
  • How “approval” differs from “comfort”

3) Your filter: home, location, and trade-offs

  • Non-negotiables versus preferences
  • Neighbourhood context: commute, schools, daily life, and resale fundamentals
  • What to stop caring about because it is cosmetic and fixable

4) Offer readiness (before you fall in love with a house)

  • What conditions exist for your protection and when they make sense
  • Inspection planning and the difference between “deal-breaker” and “maintenance”
  • Timing realities: showings, deadlines, and what “fast” actually means

What to prepare

Do not overthink this. If you have it, great. If you do not, we still start.

  • Your target move date (even if it is a range)
  • Approximate down payment available and whether it is saved, gifted, or mixed
  • If you have a pre-approval, the rate hold and expiry date
  • Your “must haves” list (keep it short)
  • Your top 3 worries (this is usually the real blocker)

What happens after the call

You will leave with a practical plan you can act on immediately. Depending on where you are, the next step is usually one of these:

  • Refine your affordability range and align financing timing
  • Build a tight shortlist of neighbourhoods and property types
  • Start touring with a purpose (and a filter that prevents regret)
  • Prepare offer readiness so you are not scrambling at the worst moment

A note on communication

You will get clear follow-up and timelines. I move quickly when timing is urgent. When I am with clients, I am present.
That balance keeps decisions thoughtful and prevents rushed mistakes.

Book your first time buyer plan call

If you want a clean plan and calm guidance, book a call. You will know exactly what to do next.

 

Note: This page is educational and not legal or financial advice. Timelines and requirements vary by situation.

Related resources

 

To book a confidential appointment with a member of the Murree Group | MovingSimcoe.com team, connect here