{"id":57480,"date":"2022-03-08T20:36:00","date_gmt":"2022-03-09T01:36:00","guid":{"rendered":""},"modified":"2024-03-05T11:31:21","modified_gmt":"2024-03-05T16:31:21","slug":"home-buying-top-tips-tools-for-every-step-of-the-journey","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/","title":{"rendered":"Home Buying: Top Tips &amp; Tools for Every Step of the Journey"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Home Buying: Top Tips &amp; Tools for Every Step of the Journey<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-8-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Girl speaking on her phone\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-8-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-8-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-8-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Home Buying: Top Tips &amp; Tools for Every Step of the Journey &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published March 8, 2022 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>This article originally appeared on <em><a href=\"https:\/\/www.houseful.ca\/\" data-dig-id=\"LP-57480-06f5d861\" data-dig-label=\"Houseful\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Houseful<\/a><\/em>, a complete homeownership platform that provides personalized guidance, tailored home search, and access to the latest market insights to support every step of your real estate journey. RBC is excited to collaborate with Houseful on helping you achieve your homeownership goals.<\/p>\n\n\n\n<p>By understanding the home-buying process you can plan ahead, prepare financially, and find the right home for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 1: Plan your finances<\/h2>\n\n\n\n<p>Before you start house hunting, you need to know how much you are willing \u2014 and able \u2014 to spend on your new home. There are simple actions you can take yourself to determine your budget, including <u><a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/tutorials\/financial-advice\/check-credit-score.html#:~:text=Sign%20in%20to%20Online%20Banking,legal%20disclaimer%20and%20select%20Continue\" target=\"_blank\" rel=\"noopener\">finding out your credit score<\/a><\/u>, tracking your monthly outgoings, and calculating <u><a href=\"https:\/\/discover.rbcroyalbank.com\/mortgage-101-your-down-payment-and-other-new-home-costs\/\" target=\"_blank\" rel=\"noopener\">how much you can afford to put toward a down payment <\/a><\/u>as a lump sum. <\/p>\n\n\n\n<p>If you&#8217;re going to be applying for a mortgage, the <u><a href=\"https:\/\/apps.royalbank.com\/apps\/true-house-affordability#!\/main\/welcome\" target=\"_blank\" rel=\"noopener\">RBC True House Affordability\u00ae Tool<\/a><\/u> provides a pre-qualification, which gives you an estimate of the amount of mortgage you may qualify for with RBC based on your household income, your expected down payment, and a soft credit check. It takes less than a minute to complete and does not impact your credit score.<\/p>\n\n\n\n<p>As you begin to look more seriously, you can work with a mortgage professional to plan your path to purchase and then apply for preapproval. Houseful can introduce you to an <u><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/specialist-locator\/\" target=\"_blank\" rel=\"noopener\">RBC Mortgage Specialist<\/a><\/u> to help you with your home financing needs at the right moment in your journey. Pre-approval is a step up from pre-qualification and provides a statement of how much money a lender is willing to loan you for a home. It allows you to lock in an interest rate on your mortgage, so you can shop with confidence. Then, when you&#8217;re making an offer on a home you love, a preapproval letter lets the seller know that you&#8217;re able to secure the amount you&#8217;re offering.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 2: Search &amp; discover<\/h2>\n\n\n\n<p>Once you know how much you can afford, you can <a href=\"https:\/\/www.houseful.ca\/\" data-dig-id=\"LP-57480-728e4ea4\" data-dig-label=\"start looking for homes\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">start looking for homes<\/a>. By beginning your search online you can identify your priorities and the little details that matter most to you. On Houseful, you can find listings based on more than 1,000 different features, from the neighbourhood you want to be in to the type of flooring you&#8217;d like. You can save homes you love and then receive real-time updates on your favourites. Houseful will also send notifications on other homes that match your search criteria and might be the right fit.<\/p>\n\n\n\n<p>In addition to tailored insights on your area of interest, you can search for homes within the boundaries of your preferred schools. Even if you aren&#8217;t a parent, the <a href=\"https:\/\/blog.houseful.ca\/how-do-school-ratings-affect-property-values\/\" data-dig-id=\"LP-57480-61033874\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"proximity of local schools can have a big impact on the value of your asset\" class=\"rbc-link-format\">proximity of local schools can have a big impact on the value of your asset<\/a>, so it can be a worthwhile consideration regardless of your family plans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 3: Connect with an agent<\/h2>\n\n\n\n<p>Once you&#8217;re ready to tour homes, it&#8217;s time to connect with an agent. It&#8217;s important to find an agent you trust, because they will guide you through the home-buying process and negotiate on your behalf. You can talk to friends and family to find out if they can recommend anyone or conduct your own research ahead of time.<\/p>\n\n\n\n<p>If you&#8217;d rather skip the legwork, Houseful can match you with an experienced, local agent, hand selected for you, so you can act quickly when you find a home you love.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 4: Line up your team<\/h2>\n\n\n\n<p>In fast-moving real estate markets, it can feel difficult to keep up. By understanding the value of homes in your areas of interest and how quickly they are selling, you can make informed and confident decisions. You can also rely on up-to-date inventory and sign up to receive instant email alerts from Houseful so you never miss a home that could be the one.<\/p>\n\n\n\n<p>With your preapproval letter in hand, the dedicated Houseful Concierge Team works hand-in-hand with your agent so you always know what&#8217;s next.<\/p>\n\n\n\n<p>To ensure you are prepared to make an offer when you find the right home, you&#8217;ll need to work with a mortgage lender who will help you identify the right mortgage for your situation and get preapproved, allowing you to shop with confidence and make an offer when you find the right home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Step 5: Close on your new home<\/h2>\n\n\n\n<p>When you find a home that fits your needs and budget, your agent will help you craft an offer. When your offer is accepted, your agent will walk you through each <a href=\"https:\/\/blog.houseful.ca\/closing-checklist-for-homebuyers\/\" data-dig-id=\"LP-57480-7fb696ce\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"phase of closing\" class=\"rbc-link-format\">phase of closing<\/a>, including a home inspection.<\/p>\n\n\n\n<p>In order to approve your loan, your lender may also require an appraisal of your new home to ensure the assessed value aligns with the sale price, as well as proof of home insurance. Before your closing date, you&#8217;ll also do a final walkthrough of the home with your agent to make sure it&#8217;s as-stated.<\/p>\n\n\n\n<p><a name=\"_heading=h.gjdgxs\"><\/a>On closing day, you&#8217;ll sign the papers to put the home in your name, agree to mortgage terms, and verify your homeowners insurance. Keep in mind that in addition to your down payment, you may also be responsible for closing costs on your new home, which include required taxes and fees. As a rule of thumb, you should expect to pay around 3% of your home&#8217;s total price in closing costs. Your mortgage provider can walk you through any specific documents for your market as well. Then you&#8217;ll receive the keys to your new home!<\/p>\n\n\n\n<div class=\"wp-block-group block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l\">Home buying can be a daunting process; that&#8217;s why Houseful provides personalized guidance and expert support for every step. Start your journey, browse homes, and get connected with a dedicated team of professionals at <a href=\"https:\/\/www.houseful.ca\/\" data-dig-id=\"LP-57480-f4e533ac\" data-dig-label=\"Houseful.ca\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Houseful.ca<\/a>. Or read more tips on the<a href=\"https:\/\/www.houseful.ca\/\" data-dig-id=\"LP-57480-10e1bfda\" data-dig-label=\" Houseful\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\"> Houseful<\/a> blog.<\/p>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-6fb0a03e-c41a-47c1-bc77-e939d5afe623\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-811072c2-5b17-4b12-93c1-4d5f336b56c1\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Home Buying: Top Tips &amp; Tools for Every Step of the Journey &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-fb64a98b-6591-4c3e-b0f7-c48d42f60710\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div 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src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A hand holds a disc with a percentage symbol on it, and upward and downward arrows over and below the disc to reflect the rate announcement on September 17, 2025.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg 5233w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/07\/Sep-15_shutterstock_2438592943.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-interest-rates\/\">\n\t\t\t\t\t\tUnderstanding Interest Rates\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/economics-101\/understanding-interest-rates\/bank-of-canada-interest-rate-announcement\/\" class=\"card-title h4 mar-t-0\">Bank of Canada Interest Rate Explained and How It Shapes Your Mortgage<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Middle-aged couple walking dog while reflecting on retirement savings and future financial security; image representing retirement readiness planning\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg 6720w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/\">\n\t\t\t\t\t\tPlanning for Retirement\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/behind-on-retirement-savings-what-to-do-now\/\" class=\"card-title h4 mar-t-0\">Behind on retirement savings? What to do now.<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-6fb0a03e-c41a-47c1-bc77-e939d5afe623 {\n\t\theight: 20px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-6fb0a03e-c41a-47c1-bc77-e939d5afe623 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-811072c2-5b17-4b12-93c1-4d5f336b56c1 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-811072c2-5b17-4b12-93c1-4d5f336b56c1 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-fb64a98b-6591-4c3e-b0f7-c48d42f60710 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-fb64a98b-6591-4c3e-b0f7-c48d42f60710 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>By understanding the home-buying process you can plan ahead, prepare financially, and find the right home for you.<\/p>\n","protected":false},"author":10,"featured_media":52907,"parent":57283,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[57,60],"rbc_content_type":[31],"rbc_audience":[59,39],"rbc_lob_group":[58],"rbc_difficulty_level":[33],"rbc_mmm_category":[310,336,303,314,316,359],"class_list":["post-57480","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-home-ownership","tag-real-estate","rbc_content_type-article","rbc_audience-newcomer","rbc_audience-parents","rbc_lob_group-mortgage","rbc_difficulty_level-beginner","rbc_mmm_category-buying-a-home","rbc_mmm_category-buying-your-first-home","rbc_mmm_category-goals-aspirations","rbc_mmm_category-life-events","rbc_mmm_category-new-to-canada","rbc_mmm_category-settling-in-canada"],"acf":{"contently_publication_id":"317093","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"By understanding the home buying process, you can plan ahead, prepare financially and find the right home for you.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"By understanding the home buying process, you can plan ahead, prepare financially and find the right home for you.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Royal Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-05T16:31:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/TD-8-1.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/buying-your-first-home\/home-buying-top-tips-tools-for-every-step-of-the-journey\/\"},\"author\":{\"name\":\"RBC\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/565fe74483a298c05d1be363c890c7b0\"},\"headline\":\"Home Buying: Top Tips &amp; 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