Victoria McDowell Real Estate

Victoria McDowell Real Estate Victoria McDowell Real Estate Victoria McDowell Real Estate

Victoria McDowell Real Estate

Victoria McDowell Real Estate Victoria McDowell Real Estate Victoria McDowell Real Estate
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    The Property Hub: Oakville

    The Property Hub: OakvilleThe Property Hub: OakvilleThe Property Hub: Oakville

    Data-Driven. Heart-Led.

    The Property Hub: Oakville

    The Property Hub: OakvilleThe Property Hub: OakvilleThe Property Hub: Oakville

    Data-Driven. Heart-Led.

    Get to Know Victoria McDowell

    Expertise

    Victoria is a dedicated Oakville and Burlington real estate expert, committed to guiding clients through the ins and outs of the local market. With a passion for data-driven strategies and an unwavering work ethic, she excels at helping first-time buyers and condo enthusiasts make informed decisions. Victoria’s deep market insight and client-first approach ensure a seamless and confident real estate experience in the Greater Toronto Area.

    Philosophy

    Keeping simplicity at the forefront of her approach, her mission is to provide fair, honest, and steadfast support so her clients can make financially healthy decisions and realize their real estate potential. Data-Driven. Heart-Led.  

    The Smart Buyer’s Toolkit

    The Homebuyers’ Playbook Land Transfer Tax Calculator Your Homebuying ChecklistsHalton School FinderGovernment of Canada - Homebuyer Incentives Fraser Institute School Rankings

    Client Testimonials That Speak for Themselves

    Frequently Asked Questions

    Please reach us at vicmcdowell@outlook.com if you cannot find an answer to your question.

    Typically, a buyer’s agent commission is paid by the seller upon the successful closing of the property. In some rare cases — such as private sales or certain new builds — the seller may not offer compensation to a buyer’s agent. If that situation ever arises, you’ll be fully informed ahead of time so we can discuss your options before moving forward.

    There’s no limit! You can see as many homes as it takes to find the right one. When I bought my first home, I saw close to 40 before deciding. That said, if we’ve toured around 20 and still haven’t found the right fit, it can be helpful to revisit your search criteria — sometimes small adjustments make a big difference.

    Most closings in Ontario fall between 30 and 90 days, though this can vary depending on the seller’s needs, your financing timeline, or the property type. A longer closing might be requested for new builds or tenanted properties, while quicker closings can happen when both parties are motivated and prepared.

    In Ontario, the minimum down payment depends on the purchase price:

    • 5% on the first $500,000 of the home price
    • 10% on the portion of the price above $500,000, up to $999,999
    • 20% for homes priced at $1 million or more

    Closing costs in Ontario typically range from 1.5% to 4% of the purchase price. These include things like land transfer tax, legal fees, title insurance, home insurance, and adjustments (for prepaid property taxes or utilities). Your lawyer will provide a detailed breakdown before closing. 

    Both can help you secure a mortgage, but they work a bit differently. Banks only offer their own products, while mortgage agents can shop multiple lenders to find the best rate and terms for your situation. I always suggest chatting with both — the best fit often comes down to who communicates clearly, understands your goals, and makes you feel confident in the process.

    Once an offer is submitted, it cannot be rescinded. However, if your offer is conditional and a condition isn’t met in good faith — for example, if you’re unable to secure financing or an inspection reveals a major issue — you may be able to terminate the deal through a mutual release. If your offer is firm (meaning all conditions have been met or waived), backing out would typically result in the loss of your deposit and potential legal consequences.

    A deposit is a good-faith payment made by the buyer to show commitment once an offer is accepted. It’s usually around 5% of the purchase price and is held in trust by the listing brokerage until closing. The deposit becomes part of your total down payment on closing day. It’s typically due within 24 hours of offer acceptance unless otherwise stated in the agreement.

    Explore Victoria McDowell Real Estate’s sold properties in our photo gallery

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      Victoria McDowell | REALTOR®

      RIGHT AT HOME REALTY, BROKERAGE

      905.580.0255 vicmcdowell@outlook.com

      Hours

      Mon

      08:00 a.m. – 09:00 p.m.

      Tue

      08:00 a.m. – 09:00 p.m.

      Wed

      08:00 a.m. – 09:00 p.m.

      Thu

      08:00 a.m. – 09:00 p.m.

      Fri

      08:00 a.m. – 09:00 p.m.

      Sat

      08:00 a.m. – 09:00 p.m.

      Sun

      08:00 a.m. – 09:00 p.m.

      Copyright © 2025 Victoria McDowell Real Estate  - All Rights Reserved.

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