Mortgages for First Time Home Buyers

First Time Home Buyers

Are you considering purchasing your first property? Look no further than our expert team who will handle all financial details, making the transition from renting to owning seamless. Our focus is on providing you with an education-focused approach and clear next steps in order to find you your perfect property. Plus, our online application is easy to use and will accurately kick-start the process.

With our tools and guidance, you can streamline the document submission process and benefit from detailed assessments that will help you plan your budget and understand associated costs such as closing costs and adjustment costs. We are here to assist you in understanding how homebuyer incentive programs work and determining how much down payment you require, what you can afford to buy, and what your monthly payments will be.

We pride ourselves on designing a custom-tailored product that meets your specific mortgage needs. Our team will set you up with a mortgage pre-approval and lock in the best rate available. Even if you don't qualify at your current bank, we have access to all of Canada's top lenders, including large banks, mortgage finance companies, credit unions, and alternative financers. This means we can submit your application to other lenders who may be able to provide you with financing options.

By utilizing the most innovative tools in Canada, we aim to reduce errors, improve efficiencies, and ultimately save you time. We understand that buying a property can be a complex process, which is why we have invested in technology that can simplify the experience for you. Our goal is to make the entire process as smooth and stress-free as possible.

Whether you have just started your search for a property or have already found your dream home, our team is here to assist you every step of the way. We have the knowledge, expertise, and resources to guide you through the process and ensure that you make the best financial decisions for your future. Contact us today to start your journey towards becoming a homeowner.

Give Us A Call Today

Obtaining pre-approval before starting the mortgage process is crucial. It is the initial step that will not only save you time but also help you determine the purchase price range you can afford. With pre-approval, you can confidently start looking for your dream home, knowing that you have met the requirements set by lenders.

Once you have obtained pre-approval, it is essential to take it a step further. It is important to figure out how much money you can borrow from a lender. By doing so, you can design a mortgage product that is tailored specifically to your needs. This will ensure that you are not borrowing more than you can afford and that you are getting the best possible terms for your mortgage.

One of the benefits of the fast pre-approval process is that it speeds up the overall approval process. This means that you can shop for properties with confidence, knowing that you have already been pre-approved. You will have a clear understanding of how much you can borrow, giving you the ability to focus on properties that fall within your budget.

Furthermore, once you have obtained pre-approval, you can also lock in your rate. This gives you rate assurance, which is beneficial considering that interest rates can fluctuate. By locking in your rate, you can ensure that even if rates increase during the mortgage process, you will still be able to enjoy the rate that was initially offered to you.

In conclusion, obtaining pre-approval for a mortgage is an essential first step in the home buying process. It not only saves you time but also helps you determine the purchase price range you can afford. By taking it a step further and designing a mortgage product tailored to your needs, you can ensure that you are borrowing an amount that is manageable for you. The fast pre-approval process allows you to shop for properties confidently, knowing that you have already met the requirements set by lenders. Finally, locking in your rate provides rate assurance and protects you from potential rate increases during the mortgage process.

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