Buying a home is one of the biggest decisions you’ll make, and entering the market in 2026 comes with new opportunities and challenges. Whether you’re a first-time buyer or a seasoned investor, having a clear checklist can help you find the right property without the stress. At The Smallbone Team, we’ve put together a comprehensive homebuyer’s checklist to guide you every step of the way.
1. Define Your Budget and Financing Options
Before you start house hunting, it’s essential to know your budget. Consider:
Your down payment savings
Current mortgage rates and loan options
Closing costs and property taxes
Monthly homeownership expenses
Knowing your financial limits ensures you only focus on homes that fit your lifestyle and prevents surprises later.
2. Prioritize Your Must-Haves vs. Nice-to-Haves
Make a list of what’s non-negotiable and what’s optional. Examples include:
Must-Haves:
Number of bedrooms/bathrooms
Location or school district
Safety and neighborhood amenities
Nice-to-Haves:
Updated kitchen or bathroom
Large backyard or extra storage
Smart home features
This distinction helps you stay focused when touring multiple properties.
3. Research the Neighbourhood
A great home isn’t just about the property—it’s also about the community. Check for:
Local schools and education quality
Walkability, parks, and nearby amenities
Future development plans that could impact property value
Commute times to work and public transportation
4. Inspect the Property Thoroughly
Never skip a professional home inspection. Key areas to check include:
Foundation and structural integrity
Roof, plumbing, and electrical systems
HVAC and insulation efficiency
Signs of pests or water damage
A detailed inspection can save you thousands in unexpected repairs.
5. Consider Resale Value
Even if you plan to stay long-term, think about the property’s future marketability:
Location desirability
Trends in the local real estate market
Features that appeal to a wide range of buyers
Properties with strong resale potential protect your investment in the long run.
6. Review the Legal and Zoning Aspects
Ensure there are no legal or zoning issues before making an offer:
Property title and ownership history
HOA rules or community regulations
Easements or land-use restrictions
This step avoids complications that could delay your purchase or reduce property value.
7. Plan for Future Needs
Think ahead to how your lifestyle may change:
Growing family or multi-generational living
Home office space or remote work setup
Energy efficiency upgrades and smart home features
Planning for the future ensures your new home will continue to meet your needs.
Buying a home in 2026 doesn’t have to be overwhelming. By following The Smallbone Team’s homebuyer’s checklist, you can make confident, informed decisions and find a property that’s perfect for you.
Ready to start your home search? Contact The Smallbone Team today and let us help you find your dream home!
