Pre-Approved, Prepared, and Ready to Buy
From helping you understand your budget to strengthening your offer before you start your search, getting
pre-approved gives you a clear advantage when buying a home in the Greater Toronto Area.
With a mortgage pre-approval in place, you’ll know what you can afford, focus on the right properties, and
move forward with confidence when the perfect home becomes available.
ATTENTION: Toronto Homebuyers
Dedicated and Experienced Team
We believe every successful home search starts with the right preparation. Whether you’re buying your first property, moving up, or purchasing again, getting pre-approved helps you understand your budget, shop with confidence, and focus on homes that truly fit your goals.
With a pre-approval in place, you’ll be ready to act quickly when the right property comes along, making your buying experience smoother, clearer, and more efficient.
Building Up Your Credit Score
Improving your credit score takes time and effort, but because it results in getting the best terms on your mortgage, it is worth it. Here's how you can improve your credit score:
#1 Get a copy of your credit report
The first step to rebuilding your credit score is to get a copy of your credit report. You can request a free copy of your credit report from Equifax or TransUnion in Canada. Review your credit report carefully to identify any errors or inaccuracies that may negatively impact your score. If you find any errors, dispute them with the credit bureau.
#2 Pay down your debts
While having debt - if you are paying it off on time - helps you build your credit score, the amount of debt you have limits the amount you can borrow. If you have high credit card balances or other debts, work on paying them down as quickly as possible. If you're using a significant amount of your available credit, this may suggest that you are overextended and may struggle to make payments. The less debt you have, the better your credit utilization ratio will be, which can help improve your credit score.
#3 Start budgeting to pay your bills on time
Start paying your bills on time with no exceptions. Make this the #1 priority each month. Creating a monthly budget helps you take care of your financial health. You can use a budgeting app or a Google or Excel sheet to plan your expenses.
#4 Seek professional help
If you are struggling to rebuild your credit score, consider seeking professional help from a credit counselor or financial advisor. They can help you develop a plan to improve your credit score, manage your debts, and create a budget.
How to Avoid a Money Pit:
Be on the Lookout for these 6 Warning Signs That Could Mean Expensive Repairs...
Roof
Leaks are the most common problem with roofs, and are tough to detect from outside. However, from inside an attic, you can often see water marks where there is a leak.
Plumbing System
Make sure you are confident that both water systems: the one that brings fresh water in and the one that takes sewage out are functioning well before signing on the dotted line.
Electrical Systems
Before you agree to buy you should make sure that you can run all of the appliances you want to and even power tools at the same time without having a power failure.
Heating and Cooling Systems
Be sure to thoroughly inspect the heating and air conditioning systems in any home you are considering purchasing.
Bad Paint and Signs of Rotting
The paint inside and outside the house can reveal a lot about the condition of the underlying material. Check several places on several walls, using your eyes and a screwdriver for poking.
Cracks and other important signs
Cracks in walls, doors not closing properly and uneven floors can all be signs that there is a problem with the foundation. If the foundation is not strong, the entire house could literally collapse, so you should carefully check for these signs.
TESTIMONIALS
What others are saying
"We found the one"
"Danny negotiated strategically, got the seller to address key repairs, and secured a price that felt like a win without risking the deal. We felt supported, informed, and genuinely cared for the entire time"
- Deklon R.
"Communication was immediate"
"I can’t say enough about how professional, energetic, and effective Danny Macedo’s team is. Communication was immediate and consistent, and we always knew what was happening, what came next, and what decisions mattered most."
- Tony Marquez
"Outstanding Realtor Service"
"Thanks again for everything! We really look forward to ha ving you as a resource and being able to refer friends to you for real estate advice."
- Alex Campagnaro
Royal LePage® Supreme Realty, Brokerage
110 Weston Road
Toronto, ON M6N 0A6
Call 416-535-8000
Text 647-931-5151
Copyright 2026. Macedo Real Estate Group, Danny Macedo, Sales Representative, Anthony Rocco Macedo, Sales Representative, Royal LePage Supreme Realty, Brokerage all rights reserved assumes no responsibility for the accuracy of any information shown. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose.
Elite Broker Blogs
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North York in July 2026: What C12, C14 and C15 Actually Cost
All figures in this article are taken from the Toronto Regional Real Estate Board Market Watch report for July 2026, released on 6 August 2026. Averages describe a whole area over a single month. They do not describe your house.
North York is not one market. TRREB splits it across several districts, and in July 2026 three of them behaved so differently that treating them as a single area would mislead you badly.
The three districts, all property types, July 2026
| District | Sales | Average price | Median price | LDOM | SP to LP |
|---|---|---|---|---|---|
| Toronto C12 | 26 | $3,403,938 | $2,640,000 | 42 | 93% |
| Toronto C14 | 90 | $891,304 | $643,000 | 38 | 97% |
| Toronto C15 | 115 | $910,683 | $740,000 | 33 | 98% |
For reference, the City of Toronto as a whole averaged $1,010,836 across 2,242 sales, with a median of $800,000.
Read the gap between average and median
In C12, the average was $3,403,938 and the median was $2,640,000. The average sits roughly 29 per cent above the median.
In C14, the average was $891,304 and the median was $643,000. The average sits roughly 39 per cent above the median.
In C15, the figures were $910,683 and $740,000, a gap of roughly 23 per cent.
A large gap means the average is being pulled up by a smaller number of expensive sales. In C14, where the gap is widest, the typical property that changed hands in July sold for considerably less than the average implies.
Now separate the property types
Most of that spread comes from mixing house types together. Detached houses only, July 2026:
| District | Detached sales | Average price | Median price | LDOM | SP to LP |
|---|---|---|---|---|---|
| Toronto C12 | 17 | $4,574,086 | $3,615,000 | 44 | 92% |
| Toronto C14 | 20 | $1,744,800 | $1,457,500 | 43 | 95% |
| Toronto C15 | 24 | $1,753,167 | $1,363,000 | 36 | 95% |
Two things become clear immediately.
First, C14 and C15 look almost identical on detached average price, $1,744,800 against $1,753,167. On the all-types figures they looked similar too, but for a different reason. C14 sold 90 properties of which only 20 were detached. C15 sold 115 of which 24 were detached. In both districts the majority of July activity was not detached houses.
Second, C12 is a genuinely different market. Seventeen detached sales at an average of $4,574,086, taking 44 days to sell and achieving 92 per cent of asking price. That last figure is the lowest of the three by a clear margin.
What 92 per cent of asking actually means
On a property listed at $4,000,000, achieving 92 per cent rather than 97 per cent is a difference of $200,000.
Across the City of Toronto in July 2026, the average was 97 per cent. C12 came in five percentage points below that. On the price levels involved in C12, five percentage points is a large sum of money, and it is the single strongest argument for treating the listing price in that district as a strategic decision rather than an aspiration.
The honest caveat
Seventeen detached sales is a small sample. So is 20, and so is 24. One unusual property can move a monthly average in any of these districts. That is exactly why I have shown you the median alongside the average every time, and why I would not price a house off a single month of data in any of them.
What a single month is good for is direction and context. If you are selling in C12 and you are working from a City of Toronto average, you are using a number that has almost nothing to do with your property. If you are selling in C14 and quoting the district average of $891,304 without checking whether you are in the detached half or the condominium half, you are doing the same thing in reverse.
Before you do anything else
Want to know what your home would actually sell for today? Run the Home Worth report on my site, or text me at 647-931-5151 and I will walk you through it.
Danny Macedo, Macedo Real Estate Group, Royal LePage Supreme Realty, Brokerage. Selling in Toronto and York Region since 1996.
