Joel DyckReal Broker SK Ltd.
Saskatoon · From the topic map

What are the risks of waiving the financing condition in Saskatoon?

Waiving the financing condition means giving up the right to walk away with your deposit if the mortgage does not fund, and in a market with 1.63 months of supply, per the Saskatchewan REALTORS Association, that is a real gamble unless a lender has already completed a full approval on the specific property.

The deposit is the first thing exposed. If the appraisal comes in low or underwriting turns up a problem after the condition is gone, the buyer is still bound to close, and walking away means forfeiting that money rather than simply losing a house.

The second exposure is bigger and less understood. A seller whose deal collapses can relist and, if the property sells for less, pursue the shortfall from the buyer as damages, and that claim proceeds through the Court of King's Bench, not a quick negotiation.

There are ways to look strong to a seller without taking on that exposure, from a shorter condition period to a larger deposit, and Joel structures offers that way rather than removing the protection outright. Get your hand-reviewed valuation from Joel Dyck.

Get your hand-reviewed valuation from Joel Dyck.

Still have a question?

Ask Joel directly. No form, no obligation, and a real answer even when the answer is that now is not the time to sell.