Home Purchase Mortgages · Toronto & GTA
If you're here,
you're ready to own.
Expert mortgage guidance for every buyer — first-time, self-employed, co-buyers, newcomers, and everyone in between.
Why Homeownership
Six reasons your home is the most important asset you'll ever own.
A home is more than a place to live. It's your wealth engine, your stability, your legacy — and the single best financial decision most Canadians ever make.
Forced Savings & Wealth Building
Every mortgage payment builds equity. Unlike rent, your payments are an investment in an asset that historically appreciates over time — creating real, generational wealth.
Stability & Predictability
A fixed mortgage means your housing cost never surprises you. No rent hikes, no uncertain renewals. You control your space, your timeline, and your future.
It's Truly Yours
Paint the walls. Renovate the kitchen. Build the garden you've always wanted. Homeownership is the freedom to make a space that reflects who you are.
Tax & Equity Advantages
Your principal residence is exempt from capital gains tax in Canada. As your home's value rises, you unlock equity for renovations, investments, or life's bigger moments.
A Foundation for Your Family
A home provides roots — a safe, stable environment where families thrive. Homeowners report greater life satisfaction, stronger community ties, and improved wellbeing.
You're Ready — Right Now
The best time to buy is when you're financially and personally prepared. You're here because you're ready. Let's make it happen together.
Programs & Incentives
More money in your pocket.
First-time buyers in Canada have access to powerful government programs. We make sure you use every one you qualify for.
First Home Savings Account (FHSA)
Contribute up to $8,000/year (lifetime max $40,000). Tax-deductible going in, tax-free on withdrawal for a qualifying home purchase.
Home Buyers' Plan
Withdraw up to $60,000 per person from your RRSP tax-free for your down payment. Couples can access up to $120,000 combined.
Land Transfer Tax Rebates
Ontario first-time buyers can receive up to $4,000 back on provincial land transfer tax. Toronto residents may also qualify for a municipal rebate of up to $4,475.
CMHC Insured Mortgages
Buy with as little as 5% down. Mortgage default insurance through CMHC makes homeownership accessible without a full 20% down payment.
Mortgage Programs
Every path to homeownership, covered.
Whether you're salaried, self-employed, buying with equity, or exploring government-backed programs — we have a solution for your situation.
Employed Buyer Program
The most straightforward path. If you receive a T4, pay stub, or employment letter, you likely qualify for Canada's best conventional and insured mortgage rates.
- As little as 5% down payment
- CMHC, Sagen & Canada Guaranty insured options
- Best available fixed & variable rates
- Amortizations up to 30 years
- Pre-approval in as little as 24 hours
Self-Employed Program
Your income doesn't fit a box — your mortgage shouldn't either. We specialize in stated income, bank statement, and alt-doc mortgages for entrepreneurs.
- Bank statement & stated income options
- 2 years self-employment minimum (exceptions exist)
- Incorporated & sole proprietor programs
- Access to A, B, and private lenders
- No penalty for writing off business expenses
First-Time Buyer Programs
Access exclusive government incentives — from the First Home Savings Account to land transfer tax rebates.
- First Home Savings Account (FHSA) guidance
- Home Buyers' Plan (RRSP withdrawal)
- Land transfer tax rebates (up to $8,475 in Ontario)
- First-time buyer incentive programs
Co-Buying Program
Friends, siblings, or parents buying together — we structure the application to maximize combined qualifying income.
- Joint tenancy & tenants in common explained
- Combined income maximizes buying power
- All co-borrower types accepted
- Co-signer and guarantor options
Alternative Lending Program
Past credit challenges shouldn't bar you from ownership. Our B-lender and private mortgage network can get you into a home today.
- Bruised or limited credit accepted
- Consumer proposals & post-bankruptcy options
- Bridge to A-lender within 1-2 years
- Transparent fee structure — no surprises
Mortgage Option
Buy the home. Fund the vision.
Purchase + Improvement lets you buy and renovate in one mortgage — at purchase prices, before costs rise.
Drag to compare
Kitchens & Bathrooms
Complete renovations included
Structural Updates
Windows, doors, roofing, HVAC
Finishing Touches
Flooring, painting, basements
The Process
From conversation to keys in hand.
Free Consultation
We review your situation, income, credit, and goals — no obligation, no hard pull on your credit.
Pre-Approval
We match you to the right lender and program, then secure your rate with a full pre-approval letter.
Find Your Home
Shop with confidence knowing exactly what you can afford. We work alongside your realtor seamlessly.
Close & Celebrate
We handle conditions, lender communication, and closing coordination. You just show up for the keys.
Calculators
See what's possible before you even call us.
Estimate your buying power and monthly payments before you start shopping.
Why Work With Us
We work for you — not the bank.
Your bank has one set of products. We have access to multiple lenders and sit on your side of the table, not theirs.
Multiple lenders
Banks, credit unions, trust companies, and monoline lenders — all searched on your behalf.
Clear explanations
No jargon. No fine print surprises. Just straightforward guidance you can act on.
Personalized strategy
Based on your unique income, goals, and timeline — not a template.
Full support
From your first conversation through to closing day and beyond.
Local expertise
Serving Toronto, the GTA, and all of Ontario.
Free to you
Our fee is paid by the lender when your mortgage closes. Expert guidance at no cost.
Service Area
Wherever you're buying in the GTA, we're already there.
Toronto
All neighbourhoods including Scarborough, North York, and Etobicoke.
Durham
Pickering, Ajax, Whitby, Oshawa, and Clarington.
York Region
Markham, Richmond Hill, Vaughan, and Newmarket.
Peel
Mississauga, Brampton, and Caledon.
Common Questions
Good questions. Honest answers.
Minimum 5% on homes up to $500,000. Between $500K and $999,999 it's 5% on the first $500K and 10% on the remainder. Homes over $1M require 20% down. With less than 20% you'll need CMHC mortgage default insurance — this is how most Canadian buyers get into the market.
Yes. Self-employed mortgages are a core part of what we do. Banks often assess declared income, which can appear low if you write off significant expenses. We work with lenders who use business bank statements, gross revenue, or other methods that better reflect your actual earnings.
It lets you roll the cost of approved renovations into your mortgage at time of purchase — so you can buy a home that needs work and finance the updates in one loan at purchase prices.
Yes. Gifted down payments from immediate family members are accepted by most lenders. We help you document it properly so it doesn't slow down your approval.
Yes. Co-buying with friends, siblings, or parents is increasingly common in the GTA. We structure co-purchase applications to maximize combined qualifying income and discuss ownership structures that protect everyone.
Most lenders want to see a score of 680 or higher for the best rates. Scores between 600-679 may still qualify with certain lenders. Below 600, alternative lending options exist. We assess your full profile — credit is one factor among many.
Take the First Step
Your home is out there. Let's go find it.
Thousands of families trusted us to get them through the door. A 15-minute call is all it takes to know exactly where you stand.
Lic. 13747 · FSRA Regulated Brokerage
Rates and programs are subject to qualification, lender approval, and applicable conditions, and may change without notice. FSRA Lic. 13747.