First-Time Home Buyer?
Let’s Make It Simple
Buying your first home should be exciting—not overwhelming. We’ll help you understand your options, qualify with confidence, and secure a mortgage that fits your future.
Mortgage Solutions for First-Time Buyers in Canada
Taking the leap into homeownership is a big deal—and you deserve a mortgage partner who helps you through it with clarity and care. From understanding your down payment options to getting pre-approved, we’re here to guide you every step of the way.
As a first-time buyer, you may be eligible for exclusive programs that lower your upfront costs and improve your chances of approval. We’ll help you access incentives, understand how much you can afford, and find a mortgage with the right rate and features for your needs.
Our first-time home buyer mortgage services include:
- Access to First-Time Home Buyer Incentives
- Pre-approvals and mortgage planning support
- Flexible down payment options (including gifted funds)
- Support with credit-building or alternative qualification paths
We work with over 50 lenders to make sure you’re getting a great deal—not just the first offer. And we’ll be here to answer your questions, explain the fine print, and help you feel confident every step of the way.
Buying Your First Home Is Big—We Make It Manageable
Why do customers love working with us?
Got Questions About Buying Your First Home?
FAQ
In Canada, the minimum down payment is 5% of the purchase price for homes under $500,000. If the price is higher, the portion above $500,000 requires a 10% down payment. We can help you calculate exactly what you'll need—and how to get there.
Yes. Many first-time buyers receive a financial gift from a parent or family member to help with the down payment. Most lenders allow this, as long as the funds are documented and the gift is not a loan.
This is a federal program that offers a shared equity mortgage with the government, helping lower your monthly payments. Eligibility depends on your income and purchase price. We’ll let you know if you qualify and walk you through the pros and cons.
This depends on your income, debts, and the size of your down payment. We’ll help you run the numbers, get pre-approved, and understand what your monthly payments will look like.
No. While good credit helps, there are lenders who work with first-time buyers who are still building their credit. We can also help you improve your score or use alternative documents to strengthen your application.
Absolutely. A pre-approval gives you a clear budget, strengthens your offer when you find a home you love, and helps you act quickly in competitive markets.
Pre-approvals can be done within a few days. Once you’ve made an offer on a home, full approval usually takes 5–10 business days depending on your documentation.
Yes. While some lenders prefer a longer job history, others are flexible—especially for buyers with a strong financial profile. We work with over 50 lenders and know which ones are best for first-time buyers like you.
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