Mortgages for First Time Home Buyers

First Time Home Buyers

If you are thinking about 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 it quicker and easier for you to find your perfect property.

We take an education-focused approach to help you understand the process and make clear next steps. Our easy-to-use online application kick-starts the process accurately, allowing you to begin your journey towards homeownership.

We provide you with the tools and guidance necessary to streamline document submission. Detailed assessments are also available to aid in budget planning, ensuring you are aware of all associated costs, including closing costs and adjustment costs.

One of our main goals is to help you understand how homebuyer incentive programs work. We will assist you in determining how much down payment you need, how much you can afford to buy, and what your monthly payments will be.

We understand that everyone's mortgage needs are different. That's why we design a custom-tailored product specifically for you. We will set you up with a mortgage pre-approval and lock in the best interest rate for your situation.

In addition to working with traditional banks, we have access to all of Canada's top lenders, including 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 who may be able to help you.

Finally, we provide you with access to the most innovative tools in Canada. These tools not only help reduce errors but also improve efficiencies, ultimately saving you time throughout the entire homeownership process.

Give Us A Call Today

Getting pre-approved for a mortgage is an essential step in the home buying process. It is a helpful tool that not only saves you time but also helps determine the purchase price range you can comfortably afford. With pre-approval in hand, you can confidently start looking for your dream home, knowing that you are financially qualified to make an offer.

But pre-approval goes beyond just determining the purchase price. Once pre-approved, a mortgage specialist will work with you to calculate how much money you can borrow from a lender. This step involves analyzing your income, assets, and credit history to come up with a precise lending amount that fits your financial situation. By figuring out the borrowing capacity, you can better plan your budget for the mortgage payments and other related expenses.

Moreover, a mortgage specialist will design a custom-tailored product specifically for your mortgage needs. This means that they will assess your circumstances, such as your employment status, financial goals, and long-term plans, to find a mortgage product that aligns perfectly with your unique situation. By tailoring the mortgage to your specific needs, you can enjoy the peace of mind knowing that you have a loan that suits your financial goals.

Additionally, when you get pre-approved, the mortgage specialist will help you lock in the best rate available. This rate assurance ensures that even if interest rates fluctuate in the market, you will still be able to secure the pre-approved rate when you are ready to finalize the loan. This can be incredibly valuable, especially in a volatile market where interest rates can fluctuate significantly.

Overall, the fast pre-approval process significantly speeds up the approval process, allowing you to shop for properties confidently. It provides you with a clear understanding of your financial capabilities, creates a tailored mortgage product, and ensures that you can lock in the best rate available. With all these advantages, getting pre-approved should be the first step on your home buying journey.

Get in Touch

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

Learn More

Apply Now

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

Learn More