01THE HOMES
I'm out there. In the homes.
I go through a lot of homes. Photos only tell part of the story. I want to see the layout, the condition and what your money actually gets you. Then we can compare that with how you want to live.
FOR WATERLOO REGION HOME BUYERS
Can buying a house be fun?Let's go shopping.
Wanna go shopping with me... for a home? I'm Scottie. I can make the search fun. I'm out touring homes, staying on top of the market and working through the numbers to get you the best deal I can. Bring your wishlist. I'll bring the homework.
When we're making offers, we're using statistical data based on the current market, not the market from last month or years ago.
Let's go home shopping
Text, email or send the form. I'll reply in writing first.
Scottie Henderson.
Realtor, Dad, Partner.Every day is an opportunity to create a smile and help others.Over 200 homes. Over $100 million sold.
eXp Realty
SCOTTIE / ON INSTAGRAMPRESS PLAY ↓
MARKETING MATTERS.YOUR WISHLIST. MY HOMEWORK. LET'S GO SHOPPING.
LET'S TALK ABOUT WHAT YOU ACTUALLY WANT.
Bring the wishlist.
- The right neighbourhood
- Room for everyone
- Finished basement
- A pool
- Big backyard
- Home office
We'll sort your must-haves from your nice-to-haves, check the budget and compare what's out there. Room to negotiate depends on the home, the price range and who else is shopping.
Tell me what's on your listHERE'S WHAT WE DO
This is my wheelhouse.
02THE MARKET
My morning starts with the numbers.
What sold? For how much? Which neighbourhoods are moving? I study the market every morning. We look at recent sold comparisons and the options available now. The asking price starts the conversation. It doesn't finish it.
03YOUR MONEY
I take the numbers personally.
Price. Cash needed. The offer. I'm working through the calculations and negotiating for the best deal I can get you. I'll explain my thinking. Your mortgage broker confirms financing, and your lawyer confirms the final closing costs.
BUYER SCHOOL / YOUR PACE
Good questions. Press-play answers.
Deposits, offers, inspections. Nobody's born knowing this stuff. Pick a lesson, scroll through the rest and watch right here. No form needed.
SCOTTIE TV / BUYER SCHOOLLesson 1 of 27
List Prices vs Home Value
1:00 · Uploaded
27 buyer-relevant lessons from Real Estate School. Swipe or scroll the cards.
These are recorded lessons, not today's market update. Rules, rates and the market can change. Use them to build your questions. Your lawyer, mortgage broker or inspector confirms the advice for your purchase.
Now let's work through the cashBUYER LAB · LIVE CASH-TO-CLOSE CALCULATOR
How much cash do I need to buy?
Your down payment is only part of it. Put in a price, compare four options and see the cash to plan for. This is the same calculator you'll find in my main website's buyer tools.
Adjust the planning allowances legal · inspection · appraisal · adjustments
$64,365
Total estimated cash to have ready
- CASH BREAKDOWN
- Down payment
- $50,000
- Ontario land transfer tax
- $11,475
- First-time buyer refund
- − $4,000
- Net land transfer tax
- $7,475
- 8% tax on mortgage insurance
- $2,240
- Lawyer + disbursements
- $1,800
- Title insurance
- $400
- Inspection
- $550
- Appraisal
- $400
- Adjustment buffer
- $1,500
- Cash beyond down payment
- $14,365
- FINANCED, NOT CASH
- Base mortgage
- $700,000
- Mortgage insurance premium
- $28,000 financed
- Estimated mortgage after premium
- $728,000
Deposit planning: roughly $37,500 in this example, credited toward the down payment - not added on top.
Planning estimate, not a quote. Uses standard 25-year mortgage-insurance rates and a traditional down payment. Eligible 30-year insured mortgages have higher premiums. The refund switch assumes every purchaser qualifies for the full Ontario refund; your lawyer confirms eligibility and any partial refund. The deposit amount and timing come from the offer; it is normally part of - not additional to - the down payment. Property-tax, utility and condo adjustments depend on the specific closing statement. New construction, Toronto property, well/septic work, moving, insurance and lender-specific fees can add costs not shown. Your lender and lawyer confirm the final figures. Rules checked against Canada's down-payment and mortgage-insurance guidance, CMHC premium rates, Ontario's 8% tax on taxable insurance premiums and Ontario's first-time buyer refund rules.
YOUR NEXT STEP / SEND ME A NOTE
What's on your wishlist?
The neighbourhood. The backyard. An office with an actual door. Tell me what you're thinking. Text me, email me or send the form. I'll reply in writing first. We can arrange a call after we've connected.
You get me. Not a mailing list. This asks me to contact you about your move. It doesn't sign you up for a newsletter.
BEFORE YOU ASK. OR AFTER.A few things
A few things
worth knowing.
I'm here for the real questions too. Send me a text.
Text me: 519-577-7588 ↗Can I talk to you before I'm ready to buy?
Of course. That's often the useful time to talk. We can figure out what you need to know, what comes next and which questions belong with your mortgage broker.
I don't have mortgage approval yet. Is that a problem?
It's a starting point, not a reason to feel behind. Your mortgage broker or lender confirms what you can borrow and what fits your finances. I'll help you keep the home search connected to that conversation.
Will I be able to ask the obvious questions?
Please do. Deposit, down payment, conditions, closing: nobody's born knowing this stuff. I'd rather explain it twice than have you quietly worry about it.
I have a home to sell too. Can you help?
Yes. Let's talk about both sides before making a plan. Your timing, the local market and the advice from your lawyer and mortgage broker all need to fit together.
Maximum effort. Every time. All the time.