Valentine’s Day is approaching and love is in the air! Today we’re going to discuss a topic that is near and dear to many couples’ hearts: buying your first home together. Whether you’re just starting your search or looking to upgrade, purchasing a home is a massive step in any relationship. It can be a huge financial and emotional investment for couples, so it’s important to be prepared. Here are a few things we suggest you consider when buying your first home as a couple:

Be transparent about your finances and set a budget.

Before you start house hunting, sit down with your significant other and determine how much you can afford to spend on a home and future bills that come with homeownership, like mortgage, utility bills, groceries, and property taxes. You don’t want to be 2 months into living together and already be having disagreements about who is paying for what or how your home expenses will be divided. Don’t forget to factor in closing costs, property taxes, and ongoing maintenance expenses for your new home purchase. Get pre-approved with your partner: Knowing how much you can borrow will help you focus your search on homes that are within your budget. You’ll also have an advantage when making an offer if you’re pre-approved for a mortgage.

Discuss your priorities, like wants and needs, in the perfect property.

Are you looking for a large backyard, a convenient location, or a certain school district? Make sure you both understand each other’s must-haves and deal-breakers before you start your search. Not only will this put you in a strong position while looking for places with your realtor, but it will also prevent one partner from being disappointed when they buy something that they don’t feel 

comfortable with at the expense of the other being happy. Communication is key. Buying a home can be stressful, so make sure you and your significant other are open and honest with each other. If one of you feels overwhelmed, take a step back and talk it through while being mindful of each other.

Think about the future.

Buying a home is a long-term investment, so consider what your needs may be in 5, 10, or 20 years. Do you plan on starting a family or welcoming ageing parents into your home? Make sure the home you choose can accommodate your future plans. Make a cohabitation agreement. When buying a home, a cohabitation agreement can outline the terms of the ownership and the responsibilities of each partner with regard to the property. This agreement can cover various aspects such as property rights, expenses, and inheritance in case of separation or death. Having a cohabitation agreement in place can provide peace of mind and help avoid potential disputes in the future. It is a way for both partners to clearly define their rights and obligations regarding the home, which can be particularly important if one partner contributes more financially or has different expectations for the property.

Remember, buying a home is a journey, and it’s so important to enjoy the process. Take your time, do your research, and, most importantly, have fun! When starting your search, find a realtor you vibe with and can trust to promote and protect your best interests while making one of the biggest purchases of your life. Moving in with your significant other is supposed to be rainbows and sunshine, use our tips to keep it that way. Happy house hunting and happy Valentine’s day.

Newest MLS listings in Quinte and PEC

Browse the most recent MLS houses for sale in the Quinte area and Prince Edward County. Search real estate listings to find exactly what you’re looking for and narrow results. Ready to book a showing? Fill out the form on the listing page or email hello@quinteliving.com.

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For sale $900,000
3286 COUNTY ROAD 3 ROAD, prince edward county, Ontario

3286 County Road 3 Road

Prince Edward County, Ontario

4 Bedroom 3 Bathroom
Royal LePage Proalliance Realty
For sale $619,900
148 EVERGREEN LANE, brighton, Ontario

148 Evergreen Lane

Brighton, Ontario

2 Bedroom 1 Bathroom
Royal LePage Proalliance Realty
For sale $499,000
3 MEYERS STREET S, belleville, Ontario

3 Meyers Street S

Belleville, Ontario

6 Bedroom 2 Bathroom
Royal LePage Proalliance Realty
For sale $764,900
56 REDWOOD DRIVE W, belleville, Ontario

56 Redwood Drive W

Belleville, Ontario

4 Bedroom 3 Bathroom
Royal LePage Proalliance Realty
For sale $399,900
4 JUNIPER LANE, belleville, Ontario

4 Juniper Lane

Belleville, Ontario

3 Bedroom 1 Bathroom
Exit Realty Group
For sale $775,000
147 BALDWIN STREET, brighton, Ontario

147 Baldwin Street

Brighton, Ontario

4 Bedroom 3 Bathroom
Exit Realty Group
For sale $499,900
15236 COUNTY ROAD 2, brighton, Ontario

15236 County Road 2

Brighton, Ontario

4 Bedroom 2 Bathroom
Royal Heritage Realty Ltd.
For sale $724,900
9 WESTVIEW DRIVE, brighton, Ontario

9 Westview Drive

Brighton, Ontario

4 Bedroom 2 Bathroom
Royal LePage Proalliance Realty
For sale $1,679,000
3710 COUNTY 3 ROAD, prince edward county, Ontario

3710 County 3 Road

Prince Edward County, Ontario

4 Bedroom 4 Bathroom
Century 21 Lanthorn Real Estate Ltd.
For sale $699,900
3130 COUNTY RD 3, prince edward county, Ontario

3130 County Rd 3

Prince Edward County, Ontario

3 Bedroom 3 Bathroom
Royal LePage Proalliance Realty
For sale $779,000
46 LAKE BREEZE COURT, prince edward county, Ontario

46 Lake Breeze Court

Prince Edward County, Ontario

3 Bedroom 3 Bathroom
RE/MAX Quinte Ltd.
For sale $842,900
60 SHEWMAN ROAD, brighton, Ontario

60 Shewman Road

Brighton, Ontario

2 Bedroom 2 Bathroom
Royal LePage Proalliance Realty
For sale $514,900
276 HERCHIMER AVENUE, belleville, Ontario

276 Herchimer Avenue

Belleville, Ontario

3 Bedroom 2 Bathroom
Royal LePage Proalliance Realty
For sale $899,900
121 STATION STREET, belleville, Ontario

121 Station Street

Belleville, Ontario

7 Bedroom 5 Bathroom
Royal LePage Proalliance Realty
For sale $899,000
26 FENNELL CRESCENT, prince edward county, Ontario

26 Fennell Crescent

Prince Edward County, Ontario

2 Bedroom 1 Bathroom
Harvey Kalles Real Estate Ltd.
For sale $229,900
144 CRESWELL DRIVE, quinte west, Ontario

144 Creswell Drive

Quinte West, Ontario

3 Bedroom 1 Bathroom
Royal LePage Proalliance Realty
For sale $825,000
259 COUNTY ROAD 28, prince edward county, Ontario

259 County Road 28

Prince Edward County, Ontario

5 Bedroom 4 Bathroom
Royal LePage Proalliance Realty
For sale $419,999
16 LEWIS STREET, belleville, Ontario

16 Lewis Street

Belleville, Ontario

3 Bedroom 2 Bathroom
Exp Realty
For sale $549,900
22556 LOYALIST PARKWAY, quinte west, Ontario

22556 Loyalist Parkway

Quinte West, Ontario

8 Bedroom 6 Bathroom
RE/MAX Quinte Ltd.
For sale $1,149,000
1649 COUNTY ROAD 7, prince edward county, Ontario

1649 County Road 7

Prince Edward County, Ontario

5 Bedroom 2 Bathroom
Forest Hill Real Estate Inc.
For sale $709,999
13481 LOYALIST PARKWAY, prince edward county, Ontario

13481 Loyalist Parkway

Prince Edward County, Ontario

3 Bedroom 2 Bathroom
Exp Realty
For rent $2,200 Monthly
7 - 200 NORTH FRONT STREET, belleville, Ontario

7 - 200 North Front Street

Belleville, Ontario

650 sqft
Royal LePage Proalliance Realty
For sale $1,075,000
44 GREENWAY CIRCLE, brighton, Ontario

44 Greenway Circle

Brighton, Ontario

3 Bedroom 2 Bathroom
RE/MAX Hallmark First Group Realty Ltd.
For sale $2,400,000
LOTS 12-17 PARLIAMENT STREET, prince edward county, Ontario

Lots 12-17 Parliament Street

Prince Edward County, Ontario

5.97 ac
Our Neighbourhood Realty Inc.