Buy • Sell • Invest
In London, Ontario With Confidence
Real estate in London, St. Thomas, Elgin, Middlesex, Lambton & Huron Counties is full of opportunity.
Whether you’re finding your forever home, selling for maximum value, or investing for long-term success — I’ll help you navigate the market with clarity, confidence, and care across London and surrounding counties.
Buy • Sell • Invest
In London, Ontario With Confidence
Real estate in London, St. Thomas, Elgin, Middlesex, Lambton & Huron Counties is full of opportunity.
Whether you’re finding your forever home, selling for maximum value, or investing for long-term success — I’ll help you navigate the market with clarity, confidence, and care across London and surrounding counties.
Hi, I'm Kerstin Zara
Your Local Realtor. Your Strategic Partner.
Buying, selling, or investing in real estate isn’t just about moving homes — it’s about building your future. I’m Kerstin Zara, a licensed, full-time real estate professional proudly serving London, St. Thomas, Elgin, Middlesex, Lambton, and Huron Counties.
I specialize in helping buyers, sellers, downsizers, and real estate investors make smart, strategic decisions. From your very first consultation, my goal is simple: understand your needs, bring clarity to your options, and deliver real results.
What I Bring to the Table:
- Local market knowledge from years of experience
- Deep insight into property values, timing & trends
- Skilled negotiator and pricing strategist
- First-time buyer & downsizing support
- Pre-construction, resale, and income property expertise
- Seamless, stress-free transaction management
Let’s explore your next move together. No pressure. Just expert insights to help you buy, sell, or invest smarter.
Looking To buy?
Buy Smarter. Live Better. Invest Confidently.
Ready to Find the Right Home — at the Right Price?
Get a custom buying strategy and access to the newest listings before the competition.
Buying a home in today’s market isn’t just about browsing listings — it’s about making smart, informed decisions that serve your lifestyle and your financial future.
Whether you’re a first-time buyer, relocating to London, St. Thomas, or Elgin, downsizing or upsizing for more space, I’ll help you navigate the real estate process with confidence and clarity.
As a full-time local agent with years of experience, I bring unmatched insight into the London Ontario housing market, emerging neighbourhoods, pricing strategies, and what it takes to win in a competitive offer situation.
When You Work With Me, You Get
- Access to off-market and early MLS listings
- Expert guidance on financing, appraisals & closing
- Personalized home search plan tailored to your goals
- Skilled negotiation to save you time and money
- Help reviewing comparables and understanding value
Top Questions Home Buyers in London Are Asking
Frequently Asked Questions
Start with a pre-approval and strategy call. I’ll guide you through every step.
I work across London, St. Thomas, Elgin, Middlesex, Lambton & Huron Counties.
You can buy with as little as 5% down with CMHC-insured financing.
London’s market moves fast. I’ll help you stay ahead with alerts and local insights.
Yes — let’s talk about timing, bridge loans, and market conditions.
Absolutely! I’ll walk you through incentives, rebates, and step-by-step planning.
Yes. I offer video tours, live Zoom showings, and digital paperwork.
Compared to the GTA, yes. There are still great opportunities under $600K.
Technically no, but the right agent saves you thousands and protects your interests.
Book your free strategy call and let’s talk about your goals, budget, and timeline.
Ready to Find the Right Home — at the Right Price?
Get a custom buying strategy and access to the newest listings before the competition.
are you a first time buyer?
Step Confidently into Homeownership
Buying your first home is an exciting milestone, but it can also feel overwhelming. With the right guidance, you can navigate the process smoothly and make informed decisions. As a dedicated real estate professional in London, Ontario, I specialize in assisting first-time buyers like you. From understanding mortgage options to finding the perfect neighbourhood, I’m here to support you every step of the way.
Services For First-Time Buyers:
- Personalized home search tailored to your needs
- Guidance on mortgage pre-approval and financing options
- Insights into government incentives and first-time buyer programs
- Support through negotiations and closing processes
- Ongoing communication to keep you informed and confident
What You Need to Know Before You Buy First Home in Southwestern Ontario
Frequently Asked Questions
Ontario offers programs like the First-Time Home Buyer Incentive and Land Transfer Tax rebates to help reduce initial costs.
Typically, a minimum of 5% of the purchase price is required, but saving more can reduce mortgage insurance costs.
Pre-approval provides an estimate of how much you can borrow, helping you set a realistic budget and showing sellers you’re a serious buyer.
Consider factors like proximity to work, schools, amenities, and future development plans.
Closing costs can include legal fees, land transfer taxes, and home inspections, typically totaling 1.5% to 4% of the purchase price.
Yes, a home inspection can reveal potential issues and help you make an informed decision.
Yes, but lenders will consider your debt-to-income ratio when determining mortgage eligibility.
It varies, but from searching to closing, it can take anywhere from a few weeks to a few months.
An agent assists with property searches, negotiations, paperwork, and provides market insights to help you make informed decisions.
Begin by consulting with a real estate professional to discuss your goals, budget, and timeline.
Ready to Begin Your Homeownership Journey?
Let’s connect to discuss your needs and create a personalized plan to find your first home in London, Ontario.
Planning To Sell in london area?
Maximize Your Home's Value with Expert Guidance
Selling your home is a significant decision, and having the right support can make all the difference. As an experienced real estate professional in London, Ontario, I provide comprehensive services to ensure your property stands out in the market and attracts the right buyers.
Services For Sellers:
- Accurate market analysis to price your home competitively
- Strategic marketing plans, including professional photography and staging
- Extensive online and offline advertising to reach potential buyers
- Skilled negotiation to secure the best possible deal
- Guidance through the entire selling process, from listing to closing
Recently Sold Listings
Nothing builds trust like results. From London to St. Thomas, Elgin to Middlesex, I’ve helped homeowners sell faster, smarter, and for top dollar — and the smiles say it all. Every successful closing is the result of a personalized plan, expert marketing, and a deep understanding of the local market.
Take a look at a few of my recently sold listings — and meet the incredible clients who turned their next chapter into reality. Your story could be next.
How to Sell Fast & for Top Dollar in Today’s London Market
Frequently Asked Questions
A comparative market analysis will help assess your home’s value based on recent sales of similar properties in your area.
Focus on cost-effective upgrades that enhance curb appeal and address any necessary repairs.
Market conditions vary, but with proper pricing and marketing, homes often sell within a few weeks.
Staging can help buyers visualize the space and may lead to quicker sales and higher offers.
Costs may include agent commissions, legal fees, and potential repairs or improvements.
I will help you evaluate each offer’s terms and guide you in selecting the most favorable one.
It’s generally recommended that sellers are not present during showings to allow buyers to feel comfortable.
A seller’s market occurs when demand exceeds supply, often leading to higher prices and quicker sales.
I will coordinate with all parties involved to ensure a smooth and timely closing.
Yes, with careful planning, it’s possible to coordinate both transactions effectively.
Ready to Sell Your Home with Confidence?
Let’s connect to discuss a personalized strategy to sell your home for top dollar — without the stress. From pricing to closing, I’ve got you covered.
For Downsizers
Simplify Your Life with the Right Move
Ready to Embrace a Simpler Lifestyle?
Contact me to discuss how downsizing can enhance your quality of life and explore suitable properties in London, Ontario.
Transitioning to a smaller home can be a strategic decision to enhance your lifestyle and reduce maintenance responsibilities. Whether you’re an empty nester or seeking a more manageable space, downsizing offers numerous benefits.
As an experienced realtor in London, Ontario, I understand the unique considerations involved in downsizing. From evaluating your current home’s value to finding a new property that fits your evolving needs, I’m here to guide you through the process.
Services For Downsizers:
- Comprehensive market analysis of your current home
- Assistance in decluttering and staging for sale
- Tailored property searches focusing on accessibility and convenience
- Coordination of moving logistics and timelines
- Emotional support and practical advice throughout the transition
Simplifying Your Next Move with Confidence and Clarity
Frequently Asked Questions
Consider downsizing when your current home no longer suits your needs, or when maintenance becomes burdensome.
A professional market analysis can provide an accurate estimate based on recent sales and market trends.
Focus on factors like single-level living, proximity to amenities, and low-maintenance features.
Decluttering, making necessary repairs, and staging can enhance appeal to potential buyers.
It’s advisable to consult with a tax professional to understand any potential capital gains taxes or other financial considerations.
Yes, but it’s important to assess financial implications and market conditions.
Acknowledge your feelings, and focus on the positive aspects of your new lifestyle.
Costs can include moving services, legal fees, and potential renovations in the new home.
Timelines vary, but with proper planning, the process can be completed efficiently.
Begin by consulting with a real estate professional to assess your current situation and explore options.
For Investors
Build Wealth Through Smart Real Estate in
London, St. Thomas & Beyond
Ready to Make Your Next Property Your Smartest Investment?
Book your 30-minute investor strategy call now. I’ll show you what’s working in today’s market — and where your next opportunity lies.
- Pre-Construction
- Assignments
- Commercial
- Multiplex
- VIP Incentives
- Platinum Access
- High Returns
Real estate isn’t just about property — it’s about profit, portfolio growth, and smart strategy. Whether you’re a seasoned investor or just getting started, the Southwestern Ontario market offers untapped opportunities for serious returns.
I specialize in helping investors identify and acquire high-performing assets in London, St. Thomas, Elgin, Middlesex, Lambton, and Huron Counties. From pre-construction condos to multi-family income properties, I’ll help you uncover deals with real upside.
Services For Real Estate Investors:
- Access to off-market and early-stage investment opportunities
- ROI analysis, cap rate evaluation, and risk mitigation
- Guidance on pre-construction vs resale investments
- Rental market research, income projections, and vacancy support
- Portfolio-building strategies for short- and long-term investors
Building Wealth Through Real Estate in London, Elgin & Beyond
Frequently Asked Questions
Duplexes, student rentals, and pre-construction condos are popular options. The right property depends on your budget and ROI goals.
I use detailed spreadsheets and local data to evaluate rent potential, expenses, and appreciation over time.
Yes. It offers lower entry points than the GTA, strong rental demand, and steady population growth.
Absolutely. I work with out-of-area and international clients using video tours, e-docs, and remote closing services.
Pre-construction offers appreciation, while resale delivers immediate cash flow. I help balance both for optimal gain.
Yes — I partner with top local property management teams who can assist with tenant placement and maintenance.
Like any investment, real estate has risks. I help you avoid costly mistakes through proper due diligence and local insight.
Student-friendly zones, hospital-adjacent neighborhoods, and fringe growth communities in Elgin and Lambton are top picks.
Many investors begin with $80K–$120K down depending on the property type and financing.
Book a free consultation — we’ll define your goals and outline next steps in a strategic investor plan.
