The Team Around Your Purchase.
Buying a home isn't a solo project. Alongside your mortgage agent, a handful of professionals each play a specific role in getting you from offer to closing to keys in hand. Here's who does what — and how each one connects to your mortgage.
Who does what
Each of these professionals handles a distinct part of your purchase. Explore any role to see how it fits into your file.
Appraisers
Provide an independent estimate of a property's value, which lenders often rely on to confirm the amount they'll finance.
Real Estate Lawyers
Review the deal, register the mortgage and title, and handle the funds and paperwork on closing day.
Home Inspectors
Assess the physical condition of a home so you understand what you're buying before you're committed.
REALTORS®
Help you search, negotiate and structure your offer, guiding you through the buying or selling process.
Title Insurance
Protects your ownership and lender against certain title defects, fraud and survey issues after closing.
Lender Information
The banks, monolines and alternative lenders behind your mortgage — and how the right fit is chosen for your file.
How Paul coordinates
As your mortgage agent, Paul sits at the centre of your home-buying team and works alongside these professionals to keep your file moving. When an appraisal is needed, when your lawyer requires mortgage instructions, or when a lender has a condition to satisfy, Paul helps make sure the right information reaches the right person at the right time.
If you don't already have a lawyer, inspector, appraiser or REALTOR® in mind, Paul can refer trusted contacts he has worked with. These are provided as helpful references only, not endorsements — you are always free to choose your own professionals, and doing so has no impact on your mortgage.
Every professional works independently and on their own terms. Your mortgage itself remains a separate matter: final lending decisions rest with the lender and depend on the borrower, the property, documentation and lender guidelines. This page is general information, not advice or a commitment to lend.
Related pages
Learning Centre
Guides and explainers covering every stage of your mortgage journey.
Mortgage Journey
See the full path from first conversation to closing day, step by step.
Buying a Home
What to expect when purchasing, from budget and offer through to keys.
RECO
The Real Estate Council of Ontario, which oversees registered real estate professionals.
Building your home-buying team?
Start with your mortgage and we'll help line up the rest.