Question 1

How does buying pre-construction actually work?

Accepted Answer

Think of it as reserving a future home at today's price. Instead of getting a mortgage immediately, you sign a contract with the builder and pay a deposit in installments over 2-4 years. You only start your mortgage when the building is finished and you get the keys. It's a popular way to enter the market because it buys you time to save.

Question 2

Why should I choose pre-construction over a resale home?

Accepted Answer

Three main reasons: leverage, time, and 'newness'. You control a valuable asset with just a deposit (leverage) while its value potentially grows during construction (time). Plus, you're getting a brand-new home with modern finishes and a full Tarion warranty, meaning no surprise repair bills for the first few years.

Question 3

What exactly is 'Platinum' or 'VIP' access?

Accepted Answer

It's the real estate equivalent of a pre-sale ticket. Builders release units to a select group of top-performing agents (like us) before they open to the general public. This 2-4 week window is where you find the lowest prices, the best floor plans, and special incentives like capped closing costs or free parking spots.

Question 4

Is the deposit structure flexible?

Accepted Answer

Often, yes. While the standard is 20% spread over a few years (e.g., 5% every 6 months), many builders offer special deposit structures for first-time buyers or during VIP launches—sometimes as low as 10% or 15% before occupancy. We can help you find projects that fit your cash flow.

Question 5

What are 'closing costs' and should I be worried?

Accepted Answer

Closing costs are the extra fees paid when you finally take ownership, including land transfer taxes and legal fees. In pre-construction, there are also 'development charges'. The secret is to ensure these are 'capped' in your contract. We negotiate this cap for you so you aren't hit with a surprise bill years down the road.

Question 6

Can I sell the unit before it's even built?

Accepted Answer

Yes, this is called an 'assignment sale'. It allows you to sell your contract to another buyer before the building is registered. It's a powerful strategy if your life plans change or if you want to realize early profits from appreciation. We make sure your contract includes the 'Right to Assign' clause.

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