1. Determine Your Budget: Before you start looking for homes, it’s important to establish a budget. This includes considering your down payment, monthly mortgage payments, closing costs, and other expenses.

2. Get Pre-Approved for a Mortgage: Getting pre-approved for a mortgage helps you understand how much you can borrow and makes you a more serious buyer in the eyes of sellers. You’ll need to provide financial information to a lender, who will then give you a pre-approval letter stating the maximum amount you can borrow.

3. Start House Hunting: Once you know your budget, you can start looking for homes that fit your criteria. Work with a real estate agent to help you find listings that match your preferences at no cost to you.

4. View Properties: View the properties you’re interested in with your agent, take notes, ask questions, and consider factors like location, condition, and features.

5. Make an Offer: When you find a home you want to buy, you’ll make an offer to the seller through your real estate agent. The offer includes the purchase price, any conditions (such as a home inspection or financing approval), and the closing date.

6. Negotiation: The seller may accept your offer, reject it, or provide a counteroffer. Negotiations can go back and forth until both parties agree on the terms.

7. Home Inspection: If your offer is accepted, you’ll usually have a certain period to conduct a home inspection. A professional inspector will assess the condition of the property and provide a report detailing any issues.

8. Finalize Financing: Once the home inspection is satisfactory and any other conditions are met, you’ll work with your lender to finalize your mortgage financing.

9. Complete Legal and Title Work: Your lawyer will conduct title searches, review contracts, and prepare legal documents for the transfer of ownership.

10. Near Closing: You’ll sign the necessary paperwork, including the mortgage agreement and property transfer documents. You’ll also provide the funds required for the down payment and closing costs.

11. Take Possession: After the closing process is complete, you’ll receive the keys to your new home and take possession of the property.

Remember that each province and territory might have specific regulations and processes, so it’s a good idea to consult with local professionals, such as real estate agents, lawyers, and mortgage brokers, who are familiar with the rules and procedures in your area.