Home / First Home
Buy your first home with confidence.
From your first pre-approval to the day you get your keys, I’ll show you what you can afford, which programs you qualify for and what closing will really cost.
Up to $4,000 back
Ontario first-time buyer refund
Minimum down payment
5% up to $500,000, then 10%
Insured purchases
Homes under $1.5 million
First-time buyer amortization
Up to 30 years
Ontario LTT refund
Up to $4,000
Programs
Programs that can make buying easier.
30-year amortization
First-time buyers can choose a 30-year insured mortgage for a lower monthly payment.
First Home Savings Account
Contribute up to $8,000 a year, to $40,000 in total. Contributions are deductible and qualifying withdrawals are tax-free.
RRSP Home Buyers’ Plan
Withdraw up to $60,000 from your RRSP toward your first home, and repay it over 15 years.
Land transfer tax refund
Eligible first-time buyers can get up to $4,000 of Ontario land transfer tax back. Toronto offers an additional rebate.
Insured mortgages
Homes under $1.5 million can be bought with less than 20% down, with mortgage default insurance.
Gifted down payments
A gift from immediate family can count toward your down payment, with a signed gift letter.
Rules and limits change. I confirm what applies to you before you rely on any of them.
Run your numbers
What would your first home cost each month?
Change the price, down payment and rate to see your payment with default insurance included.
The journey
Six steps to your keys.
1
Plan
Set a comfortable budget, not just the maximum approval.
2
Pre-approve
A lender reviews your file and holds a rate for up to 120 days.
3
Shop
View homes in your range. I’m available for quick what-ifs.
4
Offer
Once accepted, I finalise your approval with the right lender.
5
Close
Your lawyer handles the transfer; costs are already budgeted.
6
Move in
Enjoy your home. I’ll check in before your first renewal.
First-home questions
Good questions, plain answers.
Don’t see your question? Ask me directly.
How much do I need for a down payment?
What is mortgage default insurance?
How much should I budget for closing costs?
Is a pre-approval guaranteed?
Ready to start your home search?
Book a free, no-obligation consultation. You’ll leave the call knowing your options and your next step.
Free
No obligation
No credit check to start