First-Time Home Buyer

Breaking into the housing market as a first-time buyer can feel overwhelming, but Canada offers powerful programs to ease the journey. You can withdraw up to $35,000 per person from your RRSP tax-free under the Home Buyers' Plan, and many provinces provide land transfer tax rebates worth thousands.

With as little as 5% down on homes under $500,000, homeownership is within reach—even in competitive markets. We guide you through qualifying for insured mortgages, meeting stress test requirements, and accessing incentives like shared equity programs or municipal grants.

Our process includes personalized rate comparisons, pre-approval letters that strengthen your offers, and education on closing costs, property taxes, and long-term affordability. First-time buyers benefit from our industry connections and expertise, turning uncertainty into confidence at every step.

The first-time buyer journey involves understanding mortgage insurance (CMHC, Sagen, or Canada Guaranty), calculating true affordability beyond the purchase price, and navigating bidding wars in hot markets. We demystify the process, explaining everything from what happens on closing day to how property taxes and maintenance costs affect your budget.

Beyond financing, we connect you with real estate professionals, home inspectors, and legal services to ensure smooth sailing from offer to possession. Your first home purchase sets the foundation for future wealth building—let us help you get it right from the start.