Buying a home in Ontario is exciting, but it can also feel a bit stressful. With rates changing, prices moving up and down, and lots of competition, it’s natural to ask: How long does it take to buy a house in Ontario?
Most people take about 3 to 6 months. Some close in just 30 days, while others might need up to a year. It really depends on your budget, the home you want, the area you’re looking in, and how fast the market is moving.
A few things that affect the timeline:
Getting pre-approved: speeds things up.
Finding the right home: can take days or months.
Market conditions: hot markets move fast, slower ones give you time.
Negotiations: back-and-forth on offers can add delays.
Closing: inspections, appraisals, and paperwork take a few weeks.
💡 Quick Tip: Get pre-approved before you start house hunting. It saves time and makes your offers stronger.
In 2025, the Ontario market has its ups and downs. The average home price in July 2025 was about $693,300, a little lower than last year. Places like Toronto and Ottawa move quickly, while smaller cities like Windsor give buyers more breathing room.
📞 Call AJP Mortgage today and let’s make your home buying journey simple and stress-free.
Factors That Affect How Long It Takes
Every buyer’s journey is different. Some people move fast, others need more time. Here are the main things that can change your timeline:
Market Conditions
If it’s a seller’s market, homes sell in days, so you’ll need to act quickly. In a buyer’s market, you get more time to look around and negotiate.
👉 Quick Tip: In busy areas like Toronto, pre-approved buyers can sometimes close in just 2–3 weeks.
Type of Property
The kind of home you buy makes a big difference:
Condos: usually faster closings.
Detached homes: take longer with more inspections and paperwork.
Pre-construction: can take 1–3 years before move-in.
Resale homes: quicker but often need repairs or conditions.
Location in Ontario
Timelines change by city:
Toronto: Fast-moving, about 5–6 months.
Ottawa: Moderate pace, about 3–4 months.
Windsor or smaller towns: Easier deals, about 2–3 months.
👉 Quick Tip: Knowing your local market helps you plan better and avoid surprises.
Financial Readiness
Being ready with money speeds things up:
A strong credit score means faster approvals.
Savings for a down payment keeps things smooth.
Pre-approval can cut your timeline almost in half.
Personal Circumstances
Your situation matters:
First-time buyers often take longer to learn the process.
Families may wait to find the right school district.
Investors usually move fast if their financing is ready.
Right Support
Having the right team matters. A good agent and a mortgage broker like AJP Mortgage can save you weeks by simplifying approvals, offers, and paperwork.
Closing Steps
Even after your offer is accepted, you’ll need time for the inspection, appraisal, and legal checks. This usually adds another 2–4 weeks.
📞 Call AJP Mortgage today and we’ll make your home buying journey simple, clear, and stress-free.
How Long Does It Take to Buy a House in Ontario?
Buying a house in Ontario is exciting, but let’s be honest, it can also feel stressful. A lot of people ask: “How long will this actually take?”
The truth is, it really depends. Most people go from start to finish in about 3–6 months, but some lucky buyers can close in 30–45 days if everything falls into place.
Others might take longer, depending on your budget, the type of home you want, and how busy the market is.
Here’s a realistic, step-by-step look at the process:
Get Ready (1–4 weeks or more)
Before you start looking at homes, you need to get organized.
Check your finances
Make sure you know your budget, how much you can put down, and that you have extra for closing costs and a few surprises.
Get pre-approved for a mortgage
Usually 1–10 days, sometimes longer if your finances are a little complicated. This gives you a clear idea of your budget and shows sellers you’re serious.
Find a real estate agent
The right agent can save you time and stress. Finding one might take a few days to a couple of weeks, but it’s worth it.
Pro Tip: The more prepared you are now, the smoother everything else will be.
Start House Hunting (2–12 weeks)
Now comes the fun part, looking at homes.
Check out different neighbourhoods. Think about schools, commute times, nearby amenities, and what kind of lifestyle you want.
Visit homes. The number of showings depends on your preferences and how hot the market is.
Families might take longer to find the right school district, while investors or singles can move faster.
Pro Tip: Stay flexible. Be ready to see a home quickly or make an offer if it feels right. Waiting too long could mean missing out.
Make an Offer (1–2 weeks)
Once you find a home you like, it’s time to make an offer.
Include conditions like financing or a home inspection if you want.
Negotiate with the seller. Sometimes they counteroffer, which can take a few days.
In hot markets, you may need to act fast to secure the property.
Pro Tip: In busy months like summer, don’t wait too long to submit an offer. In slower months, you may have more room to negotiate.
Conditional Period (1–4 weeks)
After your offer is accepted, there are a few important steps before the home is officially yours.
Home inspection: Usually takes a few hours. The report comes in a few days and tells you about any issues.
Mortgage finalization: Lenders do appraisals, confirm your income, and review documents. This can take 2–4 weeks.
Legal review: Your lawyer makes sure the title is clean and there are no liens or disputes. Usually 1–2 weeks.
Pro Tip: Keep your documents organized and book inspections early. This helps you avoid delays.
Closing (30–60 days, sometimes up to 90)
Finally, the last step: closing day.
Sign all the final paperwork with your lawyer.
Transfer mortgage funds.
Do a final walk-through to make sure everything is as expected.
Quick Takeaway: From pre-approval to holding the keys, most buyers in Ontario take 3–6 months. Some fast-track deals can close in 30–45 days, but that’s only if everything lines up perfectly.
Must Check: How to Select A Mortgage Broker
Quick Step-by-Step Timeline
| Step | What Happens | Time |
| Get Ready | Budget check, savings, pre-approval, hire agent | 1–4 weeks |
| House Hunting | Explore neighbourhoods, visit homes, compare options | 2–12 weeks |
| Make an Offer | Prepare offer, negotiate, respond to counteroffers | 1–2 weeks |
| Conditional Period | Home inspection, mortgage approval, legal review | 1–4 weeks |
| Closing | Sign documents, transfer funds, final walk-through | 30–60 days (up to 90) |
How Pre-Approval Speeds Up Buying a Home
Getting pre-approved for a mortgage is one of the smartest steps to take before you start house hunting. It not only saves time but also makes the whole process smoother and less stressful.
Clear Budget
Pre-approval gives you a realistic budget based on your income, debts, and credit. This way, you only look at homes you can afford and avoid wasting time on properties out of reach.
Stronger Offer
Sellers prefer pre-approved buyers because it shows you’re financially ready. In markets like Toronto and Ottawa, where multiple offers are common, this can be the edge that helps you secure a home.
Faster Process
Since the lender has already checked your documents and finances, much of the work is done. This can cut down weeks from the buying process once you make an offer.
Fewer Surprises
Pre-approval helps prevent last-minute disappointments. You won’t suddenly find out that you qualify for less than expected after finding the home you love.
Better Negotiation
When your financing is already approved, sellers see you as a reliable buyer. This often makes negotiations around price and conditions smoother.
Rate Protection
In some cases, lenders will lock in your interest rate for a set time after pre-approval. If rates go up while you’re searching, you’re protected.
Example: A buyer without pre-approval might lose 2–3 weeks waiting for income verification and credit checks. A pre-approved buyer, on the other hand, can make an offer the same day and often close faster.
Pro Tip: A little effort at the start can save you weeks later. Pre-approval sets you up for a more confident, efficient, and stress-free home buying experience.
Regional Differences in Ontario
Where you buy in Ontario can make a big difference in how long it takes to find and close on a home. Here’s a simple breakdown:
Toronto
Very competitive market
Average timeline: 5–6 months
Bidding wars are common, so you often need to make decisions quickly
Ottawa
Moderate competition
Average timeline: 3–4 months
Great for families and investors looking for a balanced market
Windsor and Smaller Towns
Fewer listings, but negotiations are easier
Average timeline: 2–3 months
Offers more predictability, especially for first-time buyers
Mini-Tip: Local market trends can change your timeline a lot. Before you start, get a clear idea of how your city’s real estate market works. This makes planning much easier.
Must Check: How to Select A Mortgage Broker
Common Delays and How to Avoid Them
Buying a home is exciting, but it can sometimes take longer than expected. Here are the most common delays and how to handle them:
Financing Delays
Mortgages can slow down if documents are missing or if income is complicated, like when you’re self-employed. Even one missing paper can hold things up.
Tip: Keep all your pay stubs, bank statements, and tax returns ready. A broker like Andrew Patricio at AJP Mortgage can help make this part smooth.
Inspection or Appraisal Issues
An inspection might uncover problems like roof leaks or old wiring. Appraisals can also come in lower than the price you offered, which creates delays.
Tip: Book your inspection right away and go through the report carefully. If the appraisal is low, your broker can help you find a solution.
Legal or Title Problems
Homes sometimes come with hidden issues such as unpaid taxes, liens, or errors in the paperwork. These need to be fixed before closing.
Tip: Hire a lawyer who knows Ontario real estate. They’ll catch issues early so you don’t face surprises later.
Negotiation Delays
Back-and-forth on price, repairs, or closing dates can drag things out.
Tip: Be clear with your agent about what you want. Staying flexible on smaller things can save you a lot of time.
Personal Circumstances
Work, family, or moving plans can slow things down. First-time buyers often take longer since there’s more to learn.
Tip: Give yourself extra time in your plan. It keeps the process less stressful if something unexpected comes up.
Market Change
Interest rates and competition in the market can change how fast things move. Hot markets can stretch your search, while quiet ones might speed it up.
Tip: Keep checking in with your agent or broker. They’ll guide you on when to move quickly or when to wait.
Bottom Line: Most delays can be avoided with preparation, organization, and the right team. A good mortgage broker and real estate agent make the home buying process smoother and faster.
Ontario-Specific Considerations
Buying a home in Ontario has some unique rules and factors. Knowing them can make the process much easier:
Real Estate Board Rules
Different areas have their own boards, like TREB in Toronto or Ottawa’s board. These set rules for listings and offers. Knowing them helps you make smarter offers.
Legal Requirements
You’ll need a lawyer to handle the closing and review the title. Don’t forget the Land Transfer Tax, which varies by city and property price. Following Ontario rules helps you avoid delays and surprises.
Government Policies
First-time buyer incentives can help with down payments. In some areas, foreign buyer taxes may apply. These rules can affect your budget and timeline.
Regional Differences
Prices and competition vary across Ontario. The GTA moves fast, Ottawa is more balanced, and smaller towns often give buyers more time and flexibility.
💡 Pro Tip: Learn the local rules, taxes, and market trends before you start. Being prepared makes the process smoother and less stressful.
Special Scenarios
Not everyone’s home buying journey is the same. Your situation can change how long it takes to find and buy a home.
First-Time Buyers
Often take longer because there’s a lot to learn.
Can benefit from government programs that help with down payments or taxes.
Getting guidance from a mortgage broker or agent can save weeks.
Investors
Usually move faster if financing is ready.
Focus more on return on investment than lifestyle.
Still need inspections, appraisals, and legal checks.
Pre-Construction Homes
Timelines can stretch 1–3 years depending on construction.
Delays happen, so planning ahead is key.
Consider changes in mortgage rates or the market before move-in.
💡 Mini-Tip: Knowing your situation helps you plan better, set realistic expectations, and reduce stress.
Tips to Speed Up the Home Buying Process
Buying a home takes time, but these tips can make it faster and easier:
Work with the Right Team
A good agent, mortgage broker, and lawyer know the process and local market. They can help you avoid mistakes and move quickly.
Get Pre-Approved Early
Pre-approval shows sellers you are serious and tells you how much you can afford. This saves time later.
Act Quickly
When you find the right home, make your offer fast. In busy markets, homes can sell in days.
Keep Paperwork Ready
Have pay stubs, bank statements, tax info, and ID organized. This helps lenders and lawyers move things faster.
Consider Buying in Slower Seasons
Fall or winter usually has less competition. Conditional offers with inspection or financing clauses can keep things moving smoothly.
Know the Market
Watch prices and trends in your area. Knowing the market helps you make smart decisions quickly.
Be Flexible
Delays can happen with inspections, appraisals, or personal schedules. Staying flexible keeps the process stress-free.
💡 Pro Tip: Preparing early and having the right team can save weeks and make buying a home much easier.
Real-Life Examples
Looking at how other buyers handle the process can help you know what to expect:
First-Time Buyer in Toronto
Took 5 months because they wanted a home in a specific school district. Visiting neighborhoods and checking amenities added extra time.
Investor in Ottawa
Closed in 2.5 months with pre-approved financing. Focused on investment value rather than lifestyle, and acted quickly when the right property appeared.
Family in Windsor
Closed in 3 months. Less competition during summer made negotiations easier, and being organized helped them move smoothly.
💡 Mini-Tip: Real-life experiences show that timelines vary. Learning from others can help you plan your own journey and avoid delays.
Average Overall Timeline
Buying a home can take different amounts of time depending on your situation:
Fast Track Deals
Around 30–45 days if you are ready with pre-approval and all your paperwork. These buyers can move quickly and close faster.
Most Buyers
Usually 3–6 months. This includes house hunting, making offers, inspections, mortgage approval, and closing.
Complex Cases
Sometimes 4 months or more if there are financing issues, legal delays, or special property types like pre-construction homes.
Your timeline depends on the market, your finances, the type of home, and any legal or inspection challenges. Being organized and prepared can save weeks.
💡 Mini-Tip: Knowing the usual timeline helps you plan better and keeps the process stress-free.
Practical Tips for Buyers in Ontario
Buying a home in Ontario has some unique rules and challenges. These tips can help you stay prepared and move faster:
Know the Land Transfer Tax and Rebates
Ontario charges a Land Transfer Tax when you buy a home. First-time buyers may get a rebate, so plan ahead for this cost.
Work with a Good Real Estate Lawyer
A lawyer experienced in Ontario can handle contracts, title checks, and closing documents quickly and correctly.
Be Ready for Competitive Markets
Cities like Toronto, Mississauga, and the GTA move fast. Pre-approval and a clear idea of what you want help you act quickly.
Balance Speed with Care
Move fast but don’t skip inspections, appraisals, or legal checks. Being thorough keeps you safe and avoids problems later.
Communicate Clearly
Stay in touch with your agent, lawyer, lender, and the seller. Clear communication prevents delays and confusion.
💡 Mini-Tip: Being prepared, knowing the rules, and staying in touch with everyone can save you weeks and make buying a home much easier.
Conclusion
Buying a house in Ontario takes time, patience, and planning. While the typical timeline is 3–6 months, it varies depending on market conditions, finances, property type, and region.
Preparation and professional guidance are essential for a smooth process. Start early with mortgage pre-approval, understand your local market, and remain organized throughout each phase.
Start your Ontario home buying journey with AJP Mortgage and secure your dream home at the right time.
