Buyer Brief
Greater Toronto Area
Example
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r/TorontoRealEstate
First-time buyer closing next spring. Wants a pre-approval held by December and is asking whether a broker or a bank gets the better rate.
Why it mattersClear timeline, and they haven't picked their team yet. Open this one first.
Suggested reply
"Get quotes from both. A broker can shop dozens of lenders on one application, and your bank will sometimes match once you show them a number. Most lenders hold a pre-approval rate for 90 to 120 days, so a December hold can just cover a spring close. (I'm an agent in the GTA, happy to share a couple of broker names if useful.)"
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r/askTO
Weighing a specific house where the previous owners' pets left their mark. Is it worth buying as-is?
Why it mattersThey're asking about a real listing, not browsing. The question is condition and price.
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r/PersonalFinanceCanada
Has a bigger down payment ready and has costed a Toronto condo against renting: roughly $2,300 a month to rent, $2,400 to own.
Why it mattersThe maths is done. They need someone local to show them what that buys.
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r/TorontoRealEstate
Couple in their mid-30s want a freehold townhouse up to about $1.05M, buying next year.
Why it mattersBudget, property type and timing are all stated.
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r/askTO
Looking for a two-bedroom rental near downtown, moving in January.
RemovedRenting, not buying. Taken out before it reached you.
Every row in a real brief comes with a suggested reply. One is shown here.