Questions to Ask When Buying a House in Ottawa

Buying a home is one of the biggest financial and lifestyle decisions you’ll ever make. In Ottawa’s competitive real estate market, being prepared with the right questions ensures you’re making a smart investment and finding a property that truly fits your needs.

Whether you’re a first-time home buyer or moving up to your next home, here are the key questions to ask when purchasing a house in Ottawa or anywhere in Ontario.

Heading to the market? Find out four questions every home buyer should ask!

1. What is the Total Cost of the Home?

It’s not just about the purchase price. Buyers in Ontario need to budget for land transfer tax, closing costs, title insurance, home inspection fees and legal fees. In Ottawa, the provincial land transfer tax applies (there’s no municipal version here like in Toronto). Ask your REALTOR® or lawyer to provide a breakdown of expected costs so there are no surprises on closing day.

2. How Old Are the Major Systems?

Big-ticket items like the roof, furnace, windows and air conditioning can significantly affect your budget. Ask the seller when these were last replaced and request receipts or warranties. In Ottawa’s climate, efficient heating and windows are especially important. Older systems could mean higher utility bills and unexpected repair costs.

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3. What is Included in the Sale?

From appliances to window coverings, inclusions can vary. Make sure you know exactly what’s staying with the home and what isn’t. In Ontario, this must be written into the Agreement of Purchase and Sale to avoid disputes later.

4. Are There Any Ongoing Costs or Fees?

Beyond your mortgage, you’ll want to ask about utilities, property taxes and if applicable, homeowners’ association fees. In certain Ottawa communities, such as those with private roads or shared amenities, there may be annual association or maintenance fees. For condos, review the status certificate to understand monthly condo fees and whether there are upcoming special assessments.

5. What is the Neighbourhood Like?

Location is everything. Ask about schools, parks, shopping, public transit and future development plans. Ottawa is a city of unique neighbourhoods. Buying in Centretown feels very different from Orléans, Barrhaven or Kanata. Consider how the area fits your lifestyle today and in the future.

6. Has the Home Been Renovated or Updated?

Renovations can add value but only if they’ve been done properly. In Ontario, permits are required for certain work such as electrical, plumbing and structural changes. Ask for permits and inspection records to ensure the work meets code and won’t cause issues later.

7. Are There Any Known Issues With the Property?

Sellers in Ontario must answer questions honestly but it’s important to ask directly. Inquire about water damage, foundation repairs, pest issues or insurance claims. A home inspection can help uncover hidden problems but asking upfront provides clarity.

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8. How Long Has the Property Been on the Market?

If the home has been listed for a while, there may be room for negotiation. In Ottawa’s more balanced market conditions, some properties sell quickly, while others may take much longer. Understanding the seller’s motivation can help you structure a stronger offer.

9. What are the Zoning and Future Development Plans?

If you’re buying in an area like Rockland, Orléans or Kanata, zoning can impact what you’re allowed to do with the property. Ask whether future developments such as road expansions, LRT stations or commercial projects might affect the value or enjoyment of your home.

10. What is the Closing Timeline?

Make sure the seller’s preferred closing date aligns with yours. In Ottawa, closing dates can range from 30 to 90 days, depending on the transaction. If you’re also selling a property, timing becomes even more critical. Ask early so you can plan your move and avoid last-minute stress.

Final Thoughts

Asking the right questions ensures you’re informed, protected and confident in your purchase. Every home is unique and what works for one buyer may not work for another. A knowledgeable REALTOR® can guide you through the process, provide answers and connect you with trusted professionals from mortgage brokers to home inspectors.

Buying a house isn’t just about finding four walls and a roof; it’s about choosing a home that fits your life, finances and future in Ottawa. With the right questions, you’ll be prepared to make a decision you can feel good about for years to come.