First Time Home Buyers

If you are thinking about buying your first property, we can help make the transition from renting to owning seamless. Our team of experts will handle the financial details to ensure you find the perfect property quickly.

We take an education-focused approach, providing you with clear next steps and an easy-to-use online application that kick-starts the process accurately. Our tools and guidance streamline document submission, making the process as smooth as possible. We also provide detailed assessments to help you with budget planning, including the associated costs such as closing costs and adjustment costs.

Understanding how homebuyer incentive programs work can be overwhelming, but we are here to help. We will explain how these programs work and help you determine how much down payment you need, how much you can afford to buy, and what your monthly payments will be.

We understand that every individual has unique mortgage needs. That's why we design a custom-tailored product that fits your specific requirements. We will also set you up with a mortgage pre-approval and lock in the best rate for you.

We have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means that even if you don't qualify at your bank, we can still submit your application to other lenders.

By working with us, you will have access to the most innovative tools in Canada. These tools are designed to reduce errors, improve efficiencies, and save you time throughout the mortgage application process.

Give Us A Call Today
One of the most important steps to take when looking to secure a mortgage is to get pre-approved. This process involves submitting your financial information to a lender who will review it and determine how much money they are willing to lend to you. Not only does pre-approval save you time by eliminating the need to apply for a mortgage after finding a home, but it also provides you with a clear understanding of your purchasing power. Knowing how much you can borrow helps you narrow down your search and focus on homes that are within your budget.

Once you have been pre-approved, it is beneficial to take it a step further and work with a mortgage professional to design a mortgage product that suits your specific needs. This can involve determining the length of the loan, the type of interest rate (fixed or adjustable), and any additional features or benefits that may be available. By tailoring the mortgage to your needs, you can ensure that you are getting the best possible terms and conditions.

In addition to designing a custom-tailored mortgage, it is crucial to lock in the best interest rate available. Interest rates can fluctuate daily, and by locking in a rate, you can secure an advantageous rate for your mortgage. This provides you with rate assurance, meaning that even if interest rates rise in the future, your mortgage rate will remain the same. This can potentially save you thousands of dollars over the life of your loan.

The pre-approval process is also designed to be fast and efficient, allowing you to shop for properties confidently. With a pre-approval in hand, you can approach real estate agents and sellers with the knowledge that you are a serious and qualified buyer. This can give you an edge in the competitive housing market and increase your chances of securing your dream home.

Overall, getting pre-approved and locking in your rate are crucial steps in the mortgage process. By taking these steps, you can save time, determine your purchasing power, customize your mortgage, and secure the best possible interest rate.

Get in Touch

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

Apply Now

We shop for the best mortgage option at no charge to you.

© 2023 All rights reserved.