Lately I’ve heard how overwhelming the home-buying process can be as a first-time homebuyer. Sure-it’s a huge milestone, and there’s a long list of things to consider-but it doesn’t have to be stressful. With the right guidance (hi!) and a trusted team on your side, buying a home should feel empowering!

Whether you’re looking in Charlottetown, Stratford, Cornwall, or one of PEI’s beautiful scenic coastal communities, purchasing a home is one of life’s most exciting chapters. As a local PEI Realtor, here are five essential tips to help first-time buyers navigate the Island’s real estate market with confidence this year.

1. Get Pre Approved & Budget

Before you start house hunting, get pre-approved for a mortgage to understand your price range. But more than this, just because you are pre approved for a specific amount doesn’t mean you should buy a house at that price. Consider your monthly budget and be sure to factor in closing costs, property taxes, utilities, insurance, and maintenance. A clear, realistic budget ensures you find a home that fits comfortably into your lifestyle and financial goals.

2. Use First-Time Buyer Programs

Take advantage of Prince Edward Island’s first-time home buyer incentives, such as the Down Payment Assistance Program, Closing Cost Support Program, and Land Transfer Tax exemption. These programs can make a big difference when it comes to affordability—check your eligibility and apply early, as funds can be limited.

3. Pick the Right Location & Home

From downtown life in Charlottetown to the charm of rural PEI, your ideal home depends on what matters most to you. Consider commute times, nearby amenities, and long-term plans. While new construction homes offer low maintenance, older homes may provide extra character or value—just be mindful of potential updates or repairs.

4. Understand the Market & Make Smart Offers

The PEI housing market continues to evolve, so having a local REALTOR on your side is key. They can help you understand current market trends, fair pricing, and strategies. Always include important conditions like inspection and financing conditions to avoid surprises. Patience and preparation go a long way toward securing the right home.

5. Plan for Maintenance & Hidden Costs

Homeownership doesn’t stop once you get the keys. Set aside funds for ongoing repairs, upgrades, and seasonal maintenance. A little planning helps protect your investment and keeps your home in great shape for years to come.

Ready to Buy Your First Home on PEI?

If you’re feeling overwhelmed or just want to chat, I’m here to help. 

Reach out today for our free PEI Home Buyers Guide - your step-by-step resource to buying with confidence across PEI.

One of the most common questions I get as PEI REALTOR®, is around updates that have the biggest return on investment (ROI). If you’re planning to sell your home on Prince Edward Island, a few smart upgrades can make a big impact on your resale value. Whether you’re in Charlottetown, Stratford, Cornwall, or anywhere across the Island, these updates can help your home stand out and sell faster!

1. Refresh the Kitchen
A modern kitchen is one of the biggest selling features. Update countertops, add a modern backsplash, or install energy-efficient appliances to create a clean and functional space.

2. Update Bathrooms
Swap outdated fixtures and an updated vanity for a fresh and modern design. A simple refresh with new lighting or mirrors can make your bathroom feel brand new.

3. Boost Curb Appeal
First impressions are EVERYTHING. Fresh exterior paint, tidy landscaping, and a welcoming front entry can INSTANTLY elevate your home’s look.

4. Add Energy Efficiency
With Island winters in mind, energy-efficient upgrades like new windows, insulation, and smart thermostats & doors appeal to buyers.

5. Paint & Flooring Updates
Neutral paint colours and new flooring make your home feel bright, fresh, and move-in ready — a big plus in today’s market. Ask me for my tried & true recommended paint colours!

Pro tip: Focus on updates that add value without over-improving for your neighborhood—you want your home to stand out, not out-price the area. 

Even modest upgrades can add major value when it’s time to sell so focus on projects that improve comfort, efficiency, and overall appeal — and you’ll make a lasting impression in the Prince Edward Island real estate market.

Selling soon? I can help you with an impactful game plan, reach out anytime!

Buying a home is one of the biggest financial decisions you’ll ever make—and while most people focus on saving for a down payment, there are several other costs that can sneak up on you. If you’re not prepared, these “hidden” expenses can strain your budget and delay your move-in date.

Let’s break down some of the real estate costs you should expect when buying a home in Prince Edward Island, so there are no surprises on closing day.

1. Closing Costs (1%–5% of the Purchase Price)

What they cover:

• Mortgage fees

• Appraisal fees

• Title search and title insurance

• Attorney fees

• Adjustments

• Land transfer tax (1 % in Prince Edward Island-exempt if you are a first time home buyer!)

These fees are usually due at the time of closing and can total anywhere from a few thousand to tens of thousands of dollars, depending on the price of your home and circumstances. If you don’t have a lawyer in mind, I am happy to recommend a reputable property lawyer.

💡 Tip: Always request an estimate from your lawyer early in the process to budget properly. 

2. Inspections ($400–$600 + HST)

Depending on the property a professional home inspection or septic inspection is optional, but highly recommended. It can uncover potential issues like structural damage, plumbing problems, or roofing concerns.

If major issues are found, you can use the report to renegotiate the price or ask the seller to make repairs or if you are not comfortable with the report, assuming you have a home inspection condition, you can walk away.

3. CMHC Insurance (for down payments under 20%)

If your down payment is less than 20%, you’ll need to pay mortgage default insurance, typically through the Canada Mortgage and Housing Corporation (CMHC). The premium depends on your down payment and can range from 2.8% to 4% of your mortgage.

This cost can be rolled into your mortgage or paid upfront.

4. Home Insurance (Required by Lenders)

Before your lender releases funds, you’ll need to provide proof of homeowners insurance. Prices vary depending on location, home size, and coverage, but expect to pay around $700–$1,500 annually in Prince Edward Island.

5. HOA Fees (If Applicable)

If your new home is in a neighborhood or condo community with a Homeowners Association (HOA), you’ll need to pay monthly or annual dues. These can range from $100 to over $1,000 per month, depending on the amenities and services offered.

6. Moving Costs ($500–$2,500+)

Don’t forget about the cost of actually getting into your new home. Whether you’re hiring movers, renting a truck, or buying new furniture, moving expenses can add up quickly.

7. Utilities & Deposits

You may need to set up new accounts for electricity, water, gas, internet, and other services. Some providers require deposits—especially if you don’t have a long history with them.

Final Thoughts

While the down payment is a major piece of the puzzle, it’s only part of the total cost of buying a home. By understanding and budgeting for these additional expenses, you’ll avoid surprises and set yourself up for a smooth homebuying experience.

Whether you're a first-time buyer or making a move, I’m happy to help you navigate the full cost of homeownership in PEI—from pre-approval to handing over the keys! Reach out anytime.

When buying or selling a home, the right real estate agent can make all the difference. With so many options out there( there are over 400 licensed REALTORS® in PEI), how do you know who to trust?

Here are the must-haves and red flags to help you choose wisely.

✅ Must-Haves

1. Local Market Knowledge
   Your agent should know the ins and outs of your neighborhood—pricing trends, school districts, and what buyers are looking for.

2. Strong Communication Skills
   Real estate moves fast. Your agent should be responsive and keeping you updated.  If they don’t answer your calls or texts promptly, find someone who does.

3. Proven Track Record
   Look for an agent with a solid history of successful transactions. Online reviews and referrals from friends or family can be great indicators.

4. Licensed and Ethical
   Make sure they’re licensed and in good standing. Bonus points if they’re a member of the Canadian Real Estate Association, which holds agents to a higher code of ethics.

5. Tech-Savvy Marketing
   Especially if you're selling, your agent should know how to market your home online—with great photos, social media, and listing platforms. Gone are the days of just throwing a sign in the yard and putting a home up on MLS. Agents today should be savvy in multi faceted marketing approaches to get as many eyes on your property and ultimately top dollar for your home.

🚩 Red Flags

1. Lack of Transparency
   If an agent avoids answering your questions or won’t show you comparable listings, that’s a warning sign.

2. Pushy or Overpromising
   Be cautious of agents who pressure you to make decisions or guarantee unrealistic outcomes.

3. Poor Communication
   If they’re slow to respond or hard to reach from the start, that probably won’t improve later.

4. Infrequent Experience
   A part-time or new agent isn’t necessarily a deal-breaker, but make sure they have the support and tools to manage your transaction effectively.

Choosing a real estate agent is a big decision—don’t rush it. Interview at least a few, ask questions, and trust your instincts. The right agent will make the process smoother, less stressful, and more successful.

Are you looking at PEI real estate and considering making your first home purchase? Cue the excitement, the Pinterest inspo boards, and maybe a little nervous energy (totally normal, by the way). 

Whether you’re just starting to explore listings or already driving by homes in your dream neighbourhood, knowing what to expect as part of the home buying process can help you start off on the right foot, making the whole process much more enjoyable.

As your trusted PEI Realtor®, I’m here to walk you through the process with smart advice, local insights, and zero pressure. Let’s dive in.

Your First Home Buying Guide for PEI Real Estate

“Home buying is stressful.”

This is a common sentiment people express about their first-time home purchase. 

Here’s the truth: While the home buying experience comes with its fair share of tasks to accomplish and paperwork to fill out, it doesn’t have to feel stressful (or boring). 

As a first-time home buyer in PEI, you deserve a feel-good buying experience you can happily look back on for years to come.

But in order to achieve that, you’re going to want to approach this process with clear expectations. Here are the steps to buying your very first home!

Step 1: Get Pre Approved For a Mortgage & Determine Your Budget

Before you start looking at PEI real estate, it’s key to understand what you can afford. The first step is to get pre approved for a mortgage. Getting clear on your pre approval amount will help guide your home search. As a trusted PEI Realtor, I can recommend reputable mortgage brokers or lenders to walk you through the pre approval process and set you up for success. 

Once pre approved, it is also important to make sure your pre approval amount lines up with your budget. Just because you are pre approved for an amount doesn’t mean it's conducive to your budget. Taking the time to go over these details and calculating what you’ll be paying on your mortgage every month could save you time and heartbreak.

Knowing what you can afford before you fall in love with an incredible kitchen or your dream walk-in closet could save you from heartbreak.

Getting pre-approved will not only give you a realistic price range to work with, but it also shows sellers you’re a serious buyer too.

Just remember: Your down payment and first month’s mortgage aren’t the only costs associated with buying a home. You’ll also need to factor in additional costs like closing fees, property taxes, and insurance.

First-time buyers in PEI may be eligible for government assistance like:

• The First-Time Home Buyers’ Tax Credit (up to $1,500 back on your taxes).

• The Home Buyers’ Plan (HBP) which lets you withdraw from your RRSPs to put toward your down payment.

• The PEI Down Payment Assistance Program (DPAP)—a forgivable loan of up to 5% of the purchase price (up to a maximum loan of $17,500) if eligible.

Step 2: Hire a PEI Realtor® You Trust

Having the right real estate agent by your side can make an incredible difference in your home buying experience. When you choose me as your Realtor®, you can expect uplifting energy throughout the process. Know that I’ll handle ALL of the details so the experience feels seamless—even when there’s tons going on behind the scenes!

Your PEI Realtor® should…

• Understands the PEI real estate market inside and out.

• Be an effective communicator who keeps you informed every step of the way.

• Get to know you—your lifestyle, priorities, and what home means to you.

• Be proactive about potential issues, negotiate on your behalf, and explain the fine print (without the jargon).

As a first-time home buyer, this isn’t just about square footage and closing dates for you. It’s about feeling seen, supported, and sure of your next move. When you’re working with the right person, you’ll feel it. Extraordinary client service is my love language.

Step 3: Start Searching PEI Homes for Sale

This is where things get exciting!

It’s time to start looking at potential perfect-fit homes. Of course, you’ll want to have already considered your lifestyle needs and what type of property fits your vision for the future.

Do you want a quiet rural escape or to be close to Charlottetown’s many neighborhoods?

Are you looking for a well lived-in home with character, or a new construction home you can personalize over time?

Think about amenities, commute times, school zones, and resale value.

With your budget and wishlist in hand, we’ll set you up with a personalized search and begin touring PEI properties for sale that check your boxes. 

Be open, but trust your instincts.

I’ll guide you through the pros and cons of each property, help spot red flags, and make sure you’re seeing the full picture. 

And when that “this is the one” feeling hits? You’ll know.

Step 4: Make an Offer 

So you’ve found the home—now what? It’s time to put in an offer.

As your Realtor®, I’ll be advocating for you by…

• Helping you determine a fair offer price 

• Navigating conditions (like financing or inspections)

• Negotiating with the seller to get you the best deal and conditions possible

Together, we’ll make a competitive, well-structured offer you feel confident about. I’ll keep you apprised of any updates or changes, and we’ll see what unfolds from there!

Step 5: Inspections, Paperwork & Possession Day

If your offer has been accepted, congratulations! We’re in the home stretch now. There are still a few more crucial aspects to check off the list before you can take possession. We will work together to tackle the following:

• Schedule a PEI home inspection to make sure everything’s in good shape. They’ll usually point out things to look out for, whether it’s imminent or something to keep in mind down the road. No worries if you’re not familiar with any home inspectors, I can set this up for you.

• Work with your mortgage lender to finalize financing. If you’ve already been pre-approved, this should mostly be a seamless process.

• Sign legal documents with your lawyer. If you’re not sure where to start or who to hire, I’m happy to make a recommendation.

• Plan for moving day. We’ll chat about when you can expect to take possession, and from there you’ll just need to make a plan to start packing up and getting your things organized (which really means: rally the troops and pre-order pizza).

When the keys are in your hand, that’s when it all becomes real—and you’ll officially be a PEI homeowner. Break out the bubbly—a cold pop—an $8 latte—whatever helps you celebrate. 

Step Confidently (And Excitedly) Into Your First Home

The PEI real estate market has its own rhythm—and as your Realtor®, I’ll help you move through it with confidence and clarity.

Whether you’re still browsing or ready to book your first showing, I’m here when you need me. 

Let’s find where you feel right at home. 

Let’s Chat