Mortgage brokers in Dieppe

Completion dates are part of the financing picture

Buying a newly built home in Dieppe involves more than choosing finishes. The purchase agreement may distinguish construction milestones, a target occupancy date, final completion, and the date title transfers. Read the contract with a lawyer and identify which date governs each payment, inspection, and financing step. Ask the builder to clarify in writing what is included: appliances, grading, driveway, landscaping, fixtures, and unfinished items. A target date can shift, so consider how a delay would affect a lease, sale, school or work arrangements, storage, and temporary accommodation without assuming a specific outcome.

Map deposits and cash requirements

Create a deposit schedule directly from the signed agreement, noting amounts, due dates, recipient, and the form of payment accepted. Confirm the total deposit already paid and how it is credited at closing; do not treat a deposit as interchangeable with every later cash requirement. Ask the lender how the construction and occupancy timeline fits the financing review, when updated documents may be needed, and what must be confirmed before funds are advanced. Preserve records showing where deposit money came from and when it was transferred. Also budget for adjustments, legal costs, utility setup, moving, and completion items that may not be included in the advertised purchase price.

Inspect what will actually be delivered

Before accepting possession or removing relevant conditions, arrange the inspections and walkthroughs allowed by the agreement. Record incomplete work, deficiencies, and promised corrections in the proper written process; photographs alone do not change contract obligations. Confirm warranty documents, manuals, service connections, and procedures for reporting defects. Ask how access to the property will work if the completion date changes, and avoid booking non-refundable moving arrangements before the date is sufficiently certain. Financing should reflect the final contract, selected options, and any amendments, not an earlier estimate. A clear file of contract versions, deposit receipts, lender requests, and builder correspondence helps all parties work from the same dates and figures.