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Anzi is an experienced real estate agent who sells and purchases properties in the Greater Toronto Area. She is a big believer in maximizing work efficiencies which in turn saves her clients time and guarantees them the best possible price in a short period of time.
Anzi's honesty and integrity has earned her many loyal clients. Her extensive knowledge and unique insights into Real Estate Investment (especially land developments, commercial properties and rebuild homes) have brought her clients invaluable returns. Her years of experience in mortgage business and working with builders have earned her a very large network and relationship with private lenders, builders and investors.
If you are looking to sell or buy real estate properties or looking for information about the real estate market, please do not hesitate to contact Anzi. We so looking forward to have a chance to work with you!
Specialty:
Anzi is Specialized in Houses, Condos, Lofts, Townhouses, Vacant Land, Construction, Pre-Construction, Assignments, Land Developments and Commercial properties.

Things to Know in Real Estate Transactions

CLOSING COSTS
Closing costs are a list of charges that lawyer presents to you on the closing date of the transaction. Many people are surprised at the additional costs over and above the price of their home. According to the CMHC and Genworth Financial, you should reserve at least 1.5% to 2.5% of the purchase price for closing costs in addition to your down payment. Here are some closing costs that you might experience on your purchase as a guideline (closing costs vary among provinces and cities).

BEFORE CLOSING
• Deposit: Usually 5% of the purchase price, paid within 24 hours of your offer being accepted.
• Property Appraisal: Approx $400 - $500, often paid by the lender.
• Home Inspection: Approx $300 - $400, paid to the home inspection company at the time of the inspection.

ON CLOSING
• Balance of Purchase Price: The purchase price less your initial deposit. Usually the money will come from your lender and become your mortgage.
• Legal Fees: Amount varies depending on purchase price – approx $1,000-$2000.
• Title Insurance: Sometimes included in your legal fees – approx $250-$400.
• Property Survey: If required – approx $500-$800.
• Land Transfer Tax: Varies depending on the purchase price and depending on where you live, taxes can range from 0.5% to 2% of the total value of the property. If you are purchasing in Toronto, you will also have to pay a municipal land transfer tax in addition to the provincial tax.
• Fire Insurance: Mortgage lenders require a certificate of fire insurance to be in place from the time you take possession of the home – approx $250- $600 annually.
• Property Tax Adjustment: Reimbursement to Seller of property taxes that paid beyond the closing date.
• HST: Generally only applicable on new construction condos and houses.
• Tarion Warranty Fees: Warranty on new construction condos and houses only, not resale. - click here to estimate Tarion Fees.
• CMHC Insurance Premium: Insurance premium charged if you have less then 20% down payment.
• Provincial sales tax on mortgage insurance: If your mortgage is insured, (CMHC or Genworth Financial), you will be required to pay the applicable taxes on the insurance premium on closing. While the insurance premium can be added to the mortgage amount, the tax must be paid at closing.

Things Foreign Buyers Need to Know

Canada welcomes home buyers from all countries, and there are no restrictions on the amount or kind of real estate you can buy. Some banks will restrict the number of properties they will finance to 5 properties per person. Additionally, as of April 21, 2017, there is a 15% Non-Resident Speculation Tax that must be paid by non Citizens and non-permanent residents (including corporations and trusts)
Usually Canadian banks and lenders require non-residents have a minimum 35% down payment (in other words, 35% of the cost of the home paid for in cash, with a maximum of 65% of the home’s value provided as a mortgage). Different banks have different rules of course, and some will be more strict than others.

TO QUALIFY FOR A MORTGAGE FOR A PROPERTY IN CANADA, NON-RESIDENTS WILL GENERALLY REQUIRE:
• A 35% down payment (not from gifted funds)
• A reference letter from their bank
• An employment letter verifying income in Canadian or US dollars
• Three months bank statements
• Canadian credit check

INTEREST RATE
Non-residents are eligible for the same interest rates as Canadians, provided they meet the mortgage eligibility criteria. If you live in a country that does not have a tax treaty with Canada, you will only be eligible for a fixed-rate interest rate.
If you don’t meet the eligibility requirements, you may still be able to get financing from other lenders who charge higher interest rates.

DEPOSIT
After you’ve made an offer on a property in Canada, you’ll need to provide a deposit – usually around 5% of the purchase price in Toronto – within 24 hours. That deposit is held in trust by the listing brokerage and forms part of the down payment when it comes time to take possession of the property. It’s a good idea to open a Canadian bank account and have the deposit in the bank account when you start the search for a property – when you are ready to pay the deposit, they can either issue a certified cheque for you, or they can arrange to send the deposit funds via wire transfer.

DOWN PAYMENT
Normally, most Canadian banks will require your down payment to be in a Canadian bank for 30 days before the closing of the purchase. Most banks will want to be able to trace the source of your down payment going back 90 days.

CLOSING COSTS
As a non-resident, you will have to pay the 15% Non-Resident Speculation Tax and be subject to the other regular closing costs, including land transfer taxes and legal fees. [See Related: Closing Costs]

GOVERNMENT REBATE PROGRAM
As a non-resident, you will not qualify for the first-time buyer programs or land tax rebates offered by the Canadian government.

CASH BUYERS
You can buy a property without getting a mortgage if you have 100% of the funds in cash. That money would need to be transferred to your lawyer before closing on the property. If you are going to need a mortgage, you’ll need to have a Canadian bank account – Canadian banks require you to come to Canada to open a bank account. (there are some exceptions to this)

Free Market Evaluation

Find out what homes are selling for in your area.

Communities

Photo of Listing #c2117017441
For Sale
ID: 10614388998

14 Hycrest Ave, Toronto, North York M2N 5G1

$2,100,000 - 3 Beds, 4.000 Baths,

MLS® # c2117017441

Listed by Anzi Xu of CENTURY 21 Heritage Group Ltd. Brokerage, Richmond Hill, ON

Photo of Listing #C4885821
For Sale
ID: 10614338776

305 - 5 Northtown Way, Toronto Ontario M2N 7A1

$699,000 - 2 Beds, 2.000 Baths,

MLS® # C4885821

Listed by Anzi Xu of CENTURY 21 Heritage Group Ltd. Brokerage, Richmond Hill, ON

Photo of Listing #c2117601780
For Sale
ID: 10614389055

188 Fairview Mall Dr, North York, Toronto Ontario M2J 5A7

$550,000 - 0.000 Baths,

MLS® # c2117601780

Listed by Anzi Xu of CENTURY 21 Heritage Group Ltd. Brokerage, Richmond Hill, ON

Photo of Listing #W4939545
For Sale
ID: 10607075757

191 Jelinik Terr, Milton Ontario L9T 7M5

$978,000 - 3 Beds, 4.000 Baths,

MLS® # W4939545

Listed by Parinaz SadeghianRizi of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #E4949412
For Sale
ID: 10607084168

9 Audubon St, Whitby Ontario L1P 0C4

$1,358,000 - 4 Beds, 5.000 Baths,

MLS® # E4949412

Listed by Danny Lin of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4818934
For Sale
ID: 10607038745

15600 Jane St, King Ontario L7B 1A3

$21,000,000 - 0.000 Baths,

MLS® # N4818934

Listed by Michele Denniston of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4939255
For Rent / Lease
ID: 10607075599

#627 - 36 Blue Jays Way, Toronto Ontario M5V 3T3

$1,900 - 1 Beds, 1.000 Baths,

MLS® # C4939255

Listed by Ali Golchian of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4867230
For Rent / Lease
ID: 10607035101

#2501 - 1 Bloor St E, Toronto Ontario M4W 1A9

$3,200 - 2 Beds, 2.000 Baths,

MLS® # C4867230

Listed by Ray Razavi of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4911023
For Sale
ID: 10607048609

#826 - 99 Eagle Rock Way, Vaughan Ontario L6A 5A7

$675,000 - 2 Beds, 2.000 Baths,

MLS® # N4911023

Listed by Gloria Franchi of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4929936
For Rent / Lease
ID: 10607055969

#1108 - 101 Peter St, Toronto Ontario M5V 2G9

$1,495 - 1.000 Baths,

MLS® # C4929936

Listed by Sylvia Wong of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #X4485863
For Sale
ID: 10607030425

9226 Old Hastings Rd E, Tudor & Cashel Ontario K0K 1Y0

$89,000 - 0.000 Baths,

MLS® # X4485863

Listed by Mary Shojaei of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4964712
For Rent / Lease
ID: 10607104913
New Listing

#239 - 28 Stadium Rd, Toronto Ontario L4B 0C6

$2,500 - 2 Beds, 1.000 Baths,

MLS® # C4964712

Listed by Peggy Cheung of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #c211440600
For Sale
ID: 10614387693

800 Broadview Ave, Toronto Ontario M4K 2P7

$799,900 - 0.000 Baths, 11752 SqFt.

MLS® # c211440600

Listed by Anzi Xu of CENTURY 21 Heritage Group Ltd.

Photo of Listing #N4907902
For Rent / Lease
ID: 10607048105

183 Misty Meadow Dr, Vaughan Ontario L4L 3V6

$2,100 - 2 Beds, 2.000 Baths,

MLS® # N4907902

Listed by Sherry Etezadi of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4959346
For Rent / Lease
ID: 10607097123

#3002 - 10 York St, Toronto Ontario M5J 0E1

$1,750 - 1 Beds, 1.000 Baths,

MLS® # C4959346

Listed by Dennis Wong of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4964728
For Sale
ID: 10607105028
New Listing

145 English Oak Dr, Richmond Hill Ontario L4E 4G2

$1,898,000 - 4 Beds, 5.000 Baths,

MLS® # N4964728

Listed by Tom Tsambourlianos of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4894962
For Sale
ID: 10607041189

2000 King Rd, King Ontario L7B 1K9

$5,195,000 - 0.000 Baths,

MLS® # N4894962

Listed by Brian Bradley of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4949114
For Sale
ID: 10607083998

#1205 - 300 Front St W, Toronto Ontario M5V 0E9

$619,800 - 1 Beds, 1.000 Baths,

MLS® # C4949114

Listed by Peggy Cheung of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #E4958534
For Rent / Lease
ID: 10607096531

#3226 - 135 Village Green Sq, Toronto Ontario M1S 0G4

$1,800 - 1 Beds, 1.000 Baths,

MLS® # E4958534

Listed by Louisa Lau of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4859477
For Sale
ID: 10607041132

#809 - 15 Beverley St, Toronto Ontario M5T 1X8

$619,900 - 1 Beds, 1.000 Baths,

MLS® # C4859477

Listed by Mike Maiorano of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4928200
For Rent / Lease
ID: 10607055458

#c56 - 4300 Steeles Ave E, Markham Ontario L3R 0Y5

$2,800 - 0.000 Baths,

MLS® # N4928200

Listed by Sylvia Wong of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4961186
For Rent / Lease
ID: 10607098541
New Listing

#gph 21 - 100 Harrison Garden Blvd, Toronto Ontario M2N 0C2

$2,250 - 1 Beds, 1.000 Baths,

MLS® # C4961186

Listed by Mia Afshin of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4966342
For Rent / Lease
ID: 10607106406
New Listing

#3816 - 85 Wood St, Toronto Ontario M4Y 0E8

$2,450 - 2 Beds, 2.000 Baths,

MLS® # C4966342

Listed by Sylvia Wong of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4848544
For Rent / Lease
ID: 10607042907

#2708 - 210 Victoria St, Toronto Ontario M5B 2R3

$2,900 - 2 Beds, 2.000 Baths,

MLS® # C4848544

Listed by Louisa Lau of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4942917
For Rent / Lease
ID: 10607080549

#lph12 - 16 Harrison Garden Blvd, Toronto Ontario M2N 7J6

$2,200 - 1 Beds, 1.000 Baths,

MLS® # C4942917

Listed by Brooke Tartibi of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #C4952563
For Sale
ID: 10607089275

#1511 - 8 Rean Dr, Toronto Ontario M2K 3B9

$498,888 - 1 Beds, 1.000 Baths,

MLS® # C4952563

Listed by Hamid Farrashi of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4701157
For Sale
ID: 10607039994

#2d268 - 9390 Woodbine Ave, Markham Ontario L6C 1T5

$360,000 - 0.000 Baths,

MLS® # N4701157

Listed by Heidi Shiraz of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4918780
For Sale
ID: 10607050169

133 Carrville Rd, Richmond Hill Ontario L4C 6E4

$2,938,000 - 0.000 Baths,

MLS® # N4918780

Listed by Eli Rastikhah of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4934797
For Rent / Lease
ID: 10607057288

#714 - 330 Red Maple Rd, Richmond Hill Ontario L4C 0T6

$1,850 - 1 Beds, 1.000 Baths,

MLS® # N4934797

Listed by Claire Katz of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

Photo of Listing #N4849876
For Sale
ID: 10607032470

173 Richmond St, Richmond Hill Ontario L4C 3Y7

$1,380,000 - 2 Beds, 2.000 Baths,

MLS® # N4849876

Listed by Antonia Mainella of CENTURY 21 HERITAGE GROUP LTD., BROKERAGE

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