Pre-Construction Condo Buyer's Agent — Southwestern Ontario
I'm Andy Nagpal, a Broker with eXp Realty and a pre-construction specialist covering the corridor from Toronto through Milton, Cambridge, Kitchener, Waterloo, London and St. Thomas. For more than 12 years I've represented condo buyers — never builders — through the pre-construction process, from picking a project to standing beside you at final closing. Buying directly through a builder's sales office doesn't save you money: the co-operating commission is already priced into every unit, whether or not you bring your own agent. It just means nobody is reviewing your deposit structure, your assignment clause, or your Tarion coverage on your side of the table. I walk every site personally before a project makes my list, and every purchase comes with an 18-month buyer satisfaction guarantee. Below is exactly how the process works, and the questions buyers ask me most.
Builder Pays the Commission — Representation Costs You Nothing
The co-operating commission is already built into the builder's price list. Using my representation doesn't add a cent to what you pay — it just adds someone negotiating on your side.
12+ Years Screening Corridor Pre-Construction Projects
Not every project on this site made the cut. Each one is screened for builder track record and financing status before it's shown to a buyer.
Every Agreement Reviewed and Negotiated Before You Sign
Deposit structure, price, incentives, assignment rights, occupancy fees and HST treatment are reviewed line by line — and negotiated where there's room — before you sign anything.
Andy Walks Every Site Personally — Never a Solo Sales-Office Trip
You won't be sent to a builder's sales centre alone. I tour the site and the sales office with you, so you're getting an independent read, not just the builder's pitch.
18-Month Buyer Satisfaction Guarantee
Buy a condo through me and if you're not satisfied for any reason within 18 months of closing, I'll list and sell it for free — no listing commission. Ask me for the full written program terms.
How It Works
- Discovery call. Budget, target cities along the corridor, must-have unit specs — size, parking, locker — and your timeline.
- Shortlisted projects. Only builders and floor plans that pass a track-record and financing screen make the list.
- Personal site walkthrough. I tour the sales centre and site with you — not a solo trip to the builder's office.
- Agreement review and negotiation. Deposit structure, price, incentives and contract clauses are reviewed and negotiated before you sign.
- 10-day rescission window. Your agreement and disclosure statement are reviewed line by line during the statutory cooling-off period.
- Construction updates. You're kept current on the build timeline, Tarion registration and any occupancy date changes.
- Interim occupancy and closing support. A full closing-cost worksheet and walkthrough guidance before you take possession.
- 18-month guarantee follow-up. Not satisfied after closing? I list and sell the unit for free.
Frequently Asked Questions
Does hiring a buyer's agent cost more when I buy a pre-construction condo?
No. The builder pays the buyer's agent commission out of a co-operating fee that's already built into their pricing, whether or not you use an agent. Buying direct through the sales office doesn't lower your price — it just leaves no one negotiating deposit structure, incentives or contract terms on your side.
Is there a cooling-off period for a new condo purchase in Ontario?
Yes. Ontario gives buyers of new condominiums a 10-day statutory rescission period after receiving the fully signed agreement and disclosure statement, during which the purchase can be cancelled for any reason.
How are deposits structured on a pre-construction condo?
Condo deposits typically total 15–20% of the purchase price, staged over months or years — for example 5% on signing followed by scheduled instalments. Many builders currently offer extended or reduced deposit structures, which is a key point of negotiation.
What happens to my deposit if the condo project is cancelled?
Condo deposits carry legislated protection under Ontario's new-home warranty program (Tarion), so your deposit is returned if a project is cancelled. You don't get back lost time or any market movement during the delay, which is why project and builder screening matters before you sign.
What's the difference between interim occupancy and final closing on a condo?
Interim occupancy is when you take possession and start paying occupancy fees — covering estimated taxes, common expenses and interest — before the building is legally registered as a condominium. Final closing happens once registration is complete and title actually transfers to you, which can be months or over a year after interim occupancy begins.
Can I assign (sell) my pre-construction condo contract before closing?
Most builder agreements allow assignment only with the builder's written consent, often for a fee, and some restrict or prohibit it until close to occupancy. Review the assignment clause before you sign if there's any chance your plans could change.
What closing costs should I budget for beyond the purchase price?
Beyond the purchase price, budget for development charges and levies (negotiate a cap in your agreement), Tarion warranty enrolment, utility hookup fees, HST treatment depending on end use, and Ontario land transfer tax — plus the Toronto municipal tax if buying in the city. A full closing-cost worksheet should be provided before you sign anything.
General information, not legal or mortgage advice. Verify current rules with your lawyer and lender — I'll connect you with both.
Ready to start your pre-construction condo search with someone on your side of the table? Call 548 490 4577 or browse current listings.