For First-Time Buyers

Your first home, without the guesswork.

“I don't even know where to begin. What if I get the wrong rate?”

From your first question to closing day: clear guidance, honest numbers and every first-time-buyer program you qualify for.

Book a Free Call Text or Call 416-473-9598

FSRA licensed · 70+ banks & lenders · 20+ years experience

What you get

End-to-end support for first-time buyers

Pre-approval that means something

A real budget, a rate hold up to 120 days, and the confidence to make offers that stick.

Down payments from 5%

You may need less than you think: 5% on the first $500,000 of the purchase price.

Government programs & incentives

FHSA, RRSP Home Buyers' Plan, land transfer tax rebates, and extended 30-year insured amortizations. We'll stack everything you're entitled to.

70+ lenders compared

Your bank shows you its shelf. We shop the entire market for the sharpest rate and the right terms.

Plain-language explanations

Fixed vs. variable, stress test, CMHC insurance, closing costs. Explained like a friend, not a textbook.

There at every step

Offer night questions, appraisal hiccups, lawyer coordination. One call away through to closing.

See yourself in one of these?A quick call maps out your options.

Book a Call or text or call 416-473-9598

The process

Four steps to your keys

1 · Reach out

Book a call or phone directly with your goals and situation. No credit check, no commitment.

2 · Strategy call

We build your budget, explain your options and get your pre-approval moving.

3 · Shop with confidence

House-hunt knowing exactly what you can spend and what it'll cost each month.

4 · Offer to closing

We finalize the mortgage, coordinate with your lawyer and hand you the keys.

Questions

Frequently asked

How much do I need for a down payment?

Minimum 5% on the first $500,000 and 10% on the portion between $500,000 and $1.5 million. Under 20% down, mortgage default insurance applies. Try our down payment calculator for your exact number.

What is the stress test?

Federally regulated lenders must qualify you at the greater of your contract rate plus 2% or 5.25%. It lowers your maximum budget but protects you from rate shock. Our affordability calculator builds it in.

What does a mortgage broker cost me?

For qualified residential purchases, nothing. The lender pays the broker on closing, and you get market-wide shopping and guidance at no cost.

Still have questions?Ask a licensed broker directly, it's free.

Book a Call or text or call 416-473-9598

Other ways we can help

For Homeowners at Term End

Renewal & Switch

That's how 1.15 million renewals go this year, signed, not shopped. However close your date is, there's room in that letter. See what yours isn't telling you.

Learn more →

For Existing Homeowners

Mortgage Refinance

Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.

Learn more →

For Property Owners

Second Mortgage

A second sits behind your first, the low rate stays exactly where it is, and can fund in days, not weeks. See when a second beats a refinance, and when it doesn't.

Learn more →

Next step

Your next step starts with a conversation.

Free, confidential and no-obligation. Bring your questions, leave with a plan.

Book a Call WhatsApp 416-473-9598