Christie Nuttall

Christie Nuttall , Real Estate Broker

Broker

Phone: 5193771067

Buying or selling a home is a big decision - you need an experienced, professional to guide you through the process.
Christie Nuttall, your dedicated Real Estate Broker serving Grey and Bruce County, brings a wealth of local knowledge and experience to every transaction. With deep roots in the community, Christie has been proudly serving the area for over 30 years, initially honing her skills in the customer service industry before transitioning to real estate, where she has been licensed since 2017.
Specializing in both buyer and seller representation, Christie offers comprehensive services tailored to meet your specific needs. Whether you're looking to buy your dream home or sell your property, Christie is committed to guiding you through every step of the process with professionalism and integrity. From initial consultation to closing, Christie is dedicated to ensuring a smooth and successful transaction, no matter the weather or circumstances. Choose Christie Nuttall as your trusted partner in real estate, and let her expertise and passion work for you.

Did you know?

Home

Buy smart with a step-by-step first-time buyers guide to figuring out how much you can afford, finding the right home, making an offer, and more.

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Mortgage Information

Are you intimidated at the thought of looking for a mortgage? Just follow these steps to find a mortgage that works for you.

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I am here to help with all your real estate needs and questions. Let me know what's on your mind and start a conversation.

Free Home Evaluation

For most people, their house is their single biggest investment. Find out how much your investment is worth with a no-obligation market valuation.

First-time buyers plan: 8 steps to buying smart

Navigating the world of Canadian home buying

Step 1: Figure out how much you can afford.


Falling in love with a house you can’t afford can be heartbreaking. Avoid disappointment by figuring out your budget before you start looking.
 
  • First, decide how much you can afford for your down payment. The Home Buyers Plan lets you withdraw up to $25K per person (or up to $50K per couple) from your RRSPs – tax-free – to be repaid over 15 years. More on that here . The bigger your down payment, the less principal you will owe, and the less interest you will pay.
  • Don’t forget about closing costs, like insurance, legal fees, home inspection costs, land registration and land transfer fees. Add those to your moving expenses and service hookup fees, and they can add up surprisingly fast.
  • Your monthly housing expenses (mortgage, taxes, heat, etc.) shouldn’t use up more than 32% of your income. (If your combined monthly income is $5000, for example, 32% of that is $1600.) If you have car payments or credit card debt, the rule of thumb is that debt repayment shouldn’t be more than 40% of your income.
  • Get pre-approved for your mortgage. It’s a good way of finding out how much you can borrow – and it speeds up the process once you’ve found the home you want to buy.

Step 2: Figure out what type of home is right for you.


Sit down and make a list of must-haves and nice-to-haves. Be realistic, but be clear about the features you can’t live without. How many bedrooms do you need? Bathrooms? Do you want a home office? A garage? How about a big backyard? Hardwood floors? Eat-in kitchen? Consider your lifestyle and your stage of life. If you’re planning kids in a year or two, the studio loft might not be your best bet.

Step 3: Decide where you want to live.

Living in an area you like is as important as buying a home you love. Do you want a busy urban lifestyle, a house in the ‘burbs, or a quiet place in the country? Do you want to walk to work or are you okay with a longer commute? Do you need to be close to good schools? Rec facilities? Shopping?

Step 4: Start looking.

Go to open houses. Visit mls.ca. Check the classifieds. Drive around neighbourhoods you like looking for For Sale signs. Talk to your REALTOR® about your needs and start looking at properties.

Step 5: Build a team.

Put together the right group of experts to help you buy. Start with a REALTOR® you trust, then look for a reputable lender or mortgage broker, a lawyer (or a notary in Quebec), a home inspector and an insurance broker. Your REALTOR® works closely with all of these professionals, and will be happy to recommend people you can depend on.

Step 6: Make an offer.

You’ve found the perfect place – now it’s time to make an offer. An offer to purchase includes the purchase price you’re offering, chattels to be included in the purchase (like appliances or light fixtures), the amount of the deposit, the closing date and any other conditions.

Your REALTOR® will help you prepare your offer, and will present it to the vendor, who will either accept it or make a counter offer (which asks for a higher price or different terms). You can accept or reject the counter offer. If everyone agrees, the home is yours. If not, you can make another offer, or you may have to keep looking.

Step 7: Get a mortgage.

Once you’re approved, you’ll need to decide what type of mortgage works best for your needs. Will you go with a fixed or variable interest rate? Will your mortgage be closed or open? What will your amortization period be? Will you make payments monthly, biweekly or weekly? Your mortgage broker or lender can help you find a mortgage that suits your needs – and saves you the most money in the long term.

Step 8: Move in and enjoy!

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Alyssa Kirk

Nov 21 2020

Featured Testimonial

Christie Nuttall is an excellent, knowledgeable agent. She made the entire process enjoyable and went above and beyond for us. She was always available to answer any question that we had and made communications easy. It was a pleasure to work with Christie and I would highly recommend her to anyone who is thinking of selling or buying!

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