First Time Home Buyers

If you are considering buying your first property, we can help make the transition from renting to owning a seamless process. Our team of experts will handle all the financial details, allowing you to quickly find the perfect property for you.

Our approach is education-focused, ensuring that you understand every step of the process and know what to expect next. We provide clear next steps and an easy-to-use online application that accurately kick-starts the buying process.

We understand that budget planning is a crucial aspect of buying a property, which is why we offer detailed assessments to help you determine the associated costs. This includes not only the purchase price but also closing costs and adjustment costs. We also provide guidance on how homebuyer incentive programs work and help you determine how much down payment you will need, how much you can afford to buy, and what your monthly payments will be.

We pride ourselves on designing custom-tailored mortgage products that meet your specific needs. We will set you up with a mortgage pre-approval that will give you peace of mind and lock in the best interest rate available.

Even if you do not qualify at your bank, we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means that we can submit your application to other lenders who may be able to assist you.

In addition, we offer access to the most innovative tools in Canada that will help streamline the buying process. These tools reduce errors, improve efficiencies, and save you time, ensuring that your journey to homeownership is as smooth as possible.

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Getting pre-approved is an essential first step in the mortgage process. It not only saves you time, but it also helps you determine the purchase price range within which you can comfortably shop for your dream home. By providing your financial information to a lender, they can assess your creditworthiness and determine how much money you can borrow. This information is crucial as it helps you set realistic expectations when searching for homes.

Once you have been pre-approved, you can take a step further and work with a lender to figure out the specific details of your mortgage. This includes tailoring a mortgage product that suits your unique needs and goals. Whether you are looking for a fixed-rate mortgage or an adjustable rate, a lender can help you choose the best option for your situation.

Locking in a rate is another advantage of getting pre-approved. By securing a favorable interest rate before you start house hunting, you can enjoy rate assurance. This means that even if interest rates were to increase during your home search, you would still be guaranteed the lower rate you initially locked in.

The pre-approval process is designed to be quick and efficient. By providing all the necessary financial documents upfront, you can expedite the approval process. This allows you to shop for properties with confidence, knowing that you have already been approved for a mortgage and have a clear idea of the purchase price range you can afford.

In conclusion, it is highly recommended to get pre-approved for a mortgage before you start looking for your dream home. By doing so, you can save time, determine your budget, customize your mortgage product, secure a favorable interest rate, and shop for properties confidently. The pre-approval process is fast and efficient, allowing you to streamline your mortgage journey and make the most informed decisions.

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First time buyer or refinancing? Call for a free quote!

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