Mortgage brokers in Truro

Start with the parcel, not the listing

For a property near the river in Truro, confirm the exact parcel boundaries and identify which parts are usable, constrained, or subject to special review. Ask the seller for a current survey or plan, then compare it with the property description and visible features. A river view does not establish ownership of the shoreline, access rights, or permission to alter it. Have a qualified local professional clarify any boundary or access uncertainty before waiving conditions.

Check flood and drainage exposure

Review available municipal and provincial mapping, but treat maps as screening tools rather than guarantees. Ask about past flooding, high-water events, drainage problems, erosion, and any repairs or insurance claims. Walk the site after rain if possible, paying attention to low areas, sump discharge, grading, and water paths. Confirm whether the home, outbuildings, driveway, and proposed work have different exposure. Your insurer and lender may request their own assessments.

Separate municipal from private services

Do not assume that a nearby municipal line means the property is connected. Request written confirmation of water and wastewater service, connection location, account status, and any work needed to connect or upgrade. If the home relies on a well or onsite wastewater system, make the relevant inspections and tests conditions of purchase. Ask for system records, maintenance history, and approvals, and confirm that the systems serve the house as represented. Clarify responsibility for shared lines, access, and repair costs where applicable.

Build conditions around evidence

Before removing purchase conditions, obtain the inspections, service confirmations, insurance review, and financing approval relevant to this specific parcel. If you plan shoreline work, an addition, or a new driveway, ask the municipality and appropriate authorities what review may be required; do not rely on a seller’s description of what is allowed. Keep copies of written answers and make the closing timeline long enough to resolve open questions. A careful review distinguishes an attractive river setting from a property whose boundaries, services, and intended use are understood.