First Time Home Buyer
Buying Your First Home Doesn’t Have to be Complicated
Whether you’re just starting to explore the market or already house hunting, I’ll guide you through every step of the mortgage process so you can buy with confidence.
Why work with a Mortgage Broker?
Buying your first home is exciting, but it can also feel overwhelming.
As an independent mortgage broker, I work for you, not the bank.
That means:
✔ Access to multiple lenders
✔ Expert advice tailored to your goals
✔ Help understanding your options
✔ Guidance from pre-approval to closing
✔ Support even after you’ve moved in
First-Time Home Buyer Programs
Land Transfer Tax Rebates
Eligible first-time buyers can receive rebates that reduce or eliminate land transfer tax costs.
RRSP Home Buyers’ Plan
Withdraw funds from your RRSP to help with your down payment.
First Home Savings Account (FHSA)
Save for your first home tax-free while growing your down payment faster.
The Home Buying Process
Step 1: Get Pre-Approved
Understand your budget before you start shopping.
Step 2: Find Your Home
Work with your Realtor to find the right property.
Step 3: Secure Your Mortgage
I’ll compare lenders and negotiate on your behalf.
Step 4: Close and Get the Keys
I’ll help coordinate everything to ensure a smooth closing.
Common Questions
How much do I need for a down payment?
In Canada, the minimum down payment can be as little as 5% depending on the purchase price.
How much can I qualify for?
Your income, debts, down payment, and credit profile all play a role.
Do I need perfect credit?
Not necessarily. There are often options available even if your credit isn’t perfect.