First Time Home Buyers

If you are considering buying your first property, we can provide you with a seamless transition from renting to owning. Our team of experts will handle all the financial details, making the process of finding your perfect property quick and easy.

We take an education-focused approach, ensuring that you understand every step of the process. We provide clear next steps and offer an easy-to-use online application that kick-starts the process accurately. Our tools and guidance will streamline the document submission, and our detailed assessments will aid in budget planning. We will help you understand all associated costs, including closing costs and adjustment costs.

One of our main goals is to help you understand how the homebuyer incentive programs work. We will determine how much down payment you need, how much you can afford to buy, and what your monthly payments will be. We will design a custom-tailored mortgage product that fits your specific needs. 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 submit your application to other lenders on your behalf.

In addition, we provide access to the most innovative tools in Canada. These tools help to reduce errors, improve efficiencies, and save you time. We are committed to making the process as smooth and stress-free as possible for you.

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Getting pre-approved is an essential first step when looking to secure a mortgage. It is not only a time-saving tool but also helps determine the purchase price range for your potential new home. By going through the pre-approval process, you can gain a better understanding of your financial standing and what you can afford. This information will enable you to start looking for your dream home with confidence.

But pre-approval doesn't stop at simply giving you an idea of your price range. It goes further by helping you figure out how much money you can borrow from a lender. Based on your financial situation, a lender will assess your eligibility for a mortgage and design a custom-tailored product that best suits your needs. This can be extremely beneficial as it ensures that you will be able to secure the mortgage that is right for you.

Additionally, pre-approval allows you to lock in the best rate for your mortgage. Interest rates can fluctuate, but by getting pre-approved, you can enjoy rate assurance. This means that you won't have to worry about sudden changes in interest rates that could affect your ability to afford your dream home. By securing the best rate, you can have peace of mind knowing that you are getting the most favorable terms for your mortgage.

Furthermore, the pre-approval process is designed to be fast and efficient, which speeds up the overall approval process. This, in turn, allows you to shop for properties confidently. With a pre-approval in hand, you will have the ability to make stronger offers and negotiate with sellers, ultimately increasing your chances of successfully purchasing your desired property.

In conclusion, it is crucial to get pre-approved before beginning your search for a new home. It not only saves you time but also helps determine your purchase price range. Additionally, it enables you to figure out how much money you can borrow, design a custom-tailored mortgage product, and lock in the best rate to enjoy rate assurance. The fast pre-approval process further allows you to shop for properties confidently, increasing your chances of finding and securing your dream home.

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

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