First-time buyers
Your first home, without the guesswork.
Nobody's born knowing how a mortgage works, and you shouldn't need to learn from a bank's brochure. We walk first-time buyers through every step, from "what can I afford?" to keys in hand, in plain language and at no cost to you.
Start here
Pre-approval first. Everything gets easier after.
It costs nothing, takes about 48 hours once we have your documents, and changes how the whole search feels.
A number you can trust
Real purchasing power and a realistic monthly payment, with the stress test already factored in, so the number holds up at the offer table.
120 days of protection
Your rate is held for up to 120 days while you shop. If rates rise, you keep the lower one; if they drop, you automatically get the better rate.
Sellers take you seriously
A pre-approved buyer is a credible buyer. In a competing-offers weekend, that credibility is worth real money.
Free money, mostly ignored
The programs first-timers are entitled to.
Canada quietly gives first-time buyers real advantages. We make sure you use every one you qualify for.
First Home Savings Account
Save up to $8,000 a year ($40,000 lifetime) for a first home. Contributions are tax-deductible going in and tax-free coming out — the best of an RRSP and a TFSA combined.
Borrow from your own RRSP
Withdraw up to $60,000 per person ($120,000 for a couple) from your RRSPs tax-free for a first home, repaid over 15 years. Stacks with the FHSA.
Up to $4,475 back in Ontario
Ontario refunds first-time buyers up to $4,475 of land transfer tax. Our land-transfer calculator shows exactly what you'd pay and what you'd get back.
Home Buyers' Tax Credit
A federal credit worth up to $1,500 back on your first tax return after buying.
5% is where it starts
Minimum 5% down on the first $500,000 of the price, 10% on the portion above that. Under 20% adds mortgage default insurance — we'll show you what it really costs.
Room to breathe on payments
Eligible first-time buyers can now stretch an insured mortgage to a 30-year amortization, trading some interest cost for a meaningfully lower monthly payment.
How it goes
From first call to keys in hand.
Apply online or call
Start with the quick application or a phone call. A broker gets back to you within one business day with a short document checklist.
Get pre-approved & house-hunt
We match you to the right lender on one credit pull, lock your rate for up to 120 days, and you go shopping with a budget that's real.
Offer accepted, we finish the job
We firm up the financing, coordinate with your lawyer, and explain every paper before you sign it.
Do your homework
Ten minutes of reading now saves five figures later.
Brush up on the basics — down payments, fixed vs. variable, amortization — or run your own numbers before we ever talk.