Your first home
First-Time Home Buyers
Only 66.5% of Canadians own a home. Let's make you one of them.
Your first mortgage should not feel like a foreign language. I break the process into plain steps, tell you exactly what lenders look for, and make sure you use every first-time buyer advantage available to you in Ontario.
Programs built for first-timers
First-time buyers can access the First Home Savings Account (FHSA), the Home Buyers' Plan RRSP withdrawal, and land transfer tax rebates of up to $4,000 in Ontario and an additional $4,475 in Toronto. Used together, these can meaningfully lower the cash you need to close.
How much can you actually afford?
Lenders use two ratios — GDS (housing costs vs income, ideally under 39%) and TDS (all debts vs income, under 44%) — and qualify you against the stress test at the greater of your rate plus 2% or 5.25%. My affordability calculator applies all of this so your budget is realistic before you shop.
No question is too small
Deposits, closing costs, what a pre-approval really means, why a fixed rate might beat a variable for your situation — ask me anything. You work with me directly, from your first question to the day you get the keys.
Let's build your mortgage strategy.
One conversation. 90+ lenders. Zero obligation. Book a call or start your application whenever you're ready.