First Time Buyer Plan
Budget, down payment, and incentives mapped to your timeline.
Free review. No obligation. 15 minutes.
Programs That Apply To You
First time buyers have access to unique incentives and strategies.
First Home Savings Account
Tax-deductible contributions up to $8k/year. Tax-free withdrawal for your first home.
Home Buyers' Plan
Withdraw up to $60k from RRSP for down payment. Repay over 15 years.
Land Transfer Tax Rebate
Ontario rebates up to $4,000 on land transfer tax for eligible first time buyers.
Insured Mortgage Options
Access to insured mortgages with as little as 5% down payment.
Why First Time Buyers Choose Us
Licensed & Independent
Not tied to one bank
First Time Buyer Guidance
Clear guidance at every step
Strategy First
Budget before promises
Your Path to Home Ownership
A simple, clear process designed for first time buyers.
Budget Reality Check
We review your income, down payment, and debt to calculate your true buying power—not what the banks claim you can afford.
FHSA Strategy
Learn how to maximize your First Home Savings Account, avoid common mistakes, and structure your down payment properly.
Pre-Approval Plan
Get a strategic pre-approval that positions you as a serious buyer, not just another rate shopper.
Common Questions
What is the minimum down payment for first time buyers?
For homes under $500k, you need 5% down. For homes $500k-$1M, it's 5% on the first $500k and 10% on the remainder. Over $1M requires 20% down.
How does the FHSA work?
The First Home Savings Account lets you contribute up to $8,000/year (max $40,000 total) with tax-deductible contributions. Withdrawals for a first home purchase are tax-free. We guide you through the setup and timing.
What credit score do I need?
Most lenders require a minimum credit score of 650-680. We review your credit and advise on improvement strategies if needed before you apply.
Should I get pre-approved before house hunting?
Yes. A strategic pre-approval shows sellers you're serious and gives you a clear budget. We ensure your pre-approval is structured to maximize your negotiating position.
Do you charge fees to first time buyers?
No. Mortgage brokers are compensated by lenders when your mortgage funds. Our service is free to you, and there's no obligation.
Get Your First Time Buyer Plan
Start with your contact info and timeline.
Start Your First Home Journey
Get clarity on budget, down payment, and FHSA strategy. No pressure, no obligation.
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