Buying your first home shouldn't feel like a guessing game. Get a clear monthly payment, a real pre-approval, and a broker who actually picks up the phone — across 50+ lenders, free for you.
From application to pre-approval
Banks and lenders compared on every file
Our cost to you on standard A-lender deals
Rate hold while you shop with confidence
Most first-time buyers go from "thinking about it" to keys in 60-90 days. Here's exactly how.
Know your real budget and lock a rate hold for up to 120 days — before you fall in love with a listing.
Your realtor (and the seller) takes you seriously when you have a real pre-approval in hand.
We move fast on financing conditions so you can compete — even in a multiple-offer situation.
Sign at the lawyer's, move in, and we stay with you for the renewal in 3 to 5 years.
Canada's minimum down payment is a sliding scale based on price — here's the 2026 version with the new $1.5M insurable cap.
Bought at $400,000? You need $20,000 down. Add closing costs of roughly 1.5% and you're in.
5% on the first $500K, 10% on the rest. A $750K home = $50,000 down.
New in 2026: first-time buyers and new builds can put as little as 5%+10% down with a 30-year amortization.
Above the insured cap. 20% minimum, no CMHC insurance — usually a conventional A-lender or alt-A.
Get a real budget in 24 hours — no credit pull until you say go.
Four government programs first-time buyers leave on the table every single year. Stack them right and you can add tens of thousands to your down payment — tax-free.
Save up to $40,000 completely tax-free. Tax-deductible going in (like an RRSP), tax-free coming out (like a TFSA). The single best first-home account in Canada — stack it with the HBP for up to $100,000.
Pull up to $60,000 each from your RRSP, tax-free, for the down payment. Couples can combine for $120,000. You repay yourself over 15 years.
A $1,500 non-refundable credit on your next tax return. Small, but it covers a chunk of your legal fees.
Up to $4,000 back in Ontario, up to $4,475 in Toronto (stackable), and up to $8,475 combined inside the city. We make sure your lawyer claims it.
Rule of thumb: budget 1.5% of purchase price on top of your down payment. Here's where it actually goes.
Provincial (and municipal in Toronto). First-time buyer rebates can wipe it out on smaller purchases.
Title search, registration, mortgage instructions, and your closing meeting.
Optional but recommended — the $500 that saves you from a $25,000 surprise.
Lender confirms the value. We get this waived for most insured deals.
One-time fee that protects you against title fraud — required by every lender.
In ON, QC, SK, MB the insurance premium is rolled into the mortgage, but PST on it is due on closing — easy to forget.
For a $500,000 home: $25,000 down + about $7,500 in closing costs = roughly $32,500 in the bank. FHSA + HBP + a gift from family all count toward the down payment, and we'll show you exactly how to stack them.
A score of 680 or higher gets you the lowest advertised rates with the big banks. 600 – 679 still works with A-lenders, just with slightly tighter rules. Under 600? We have B-lender and private options that can bridge you to an A-lender renewal in 12 – 24 months.
You have to qualify at the higher of 5.25% or your contract rate + 2%. So if a lender offers you 4.49%, you're tested at 6.49%. It's the single biggest reason real-world budgets are 20-25% smaller than the online calculators suggest — we model it correctly the first time.
Yes — and a real pre-approval, not a 60-second online estimate. A proper pre-approval pulls credit, reviews income documents, and gives you a rate hold for 90 – 120 days. Sellers in a multiple-offer situation will almost always pick the buyer with verified financing.
With the Bank of Canada in a cutting cycle, more first-time buyers are choosing 3-year fixed (lowest payment shock at renewal) or variable (rides cuts down). We'll show you a side-by-side payment chart for your specific number before you decide.
Zero. On any A-lender deal (RBC, Scotia, TD, BMO, CIBC, Manulife, MCAP, First National, etc.) the lender pays us a finder's fee. You get the same rate — or a lower one — than walking into the branch yourself.
One short call, one secure online application, real numbers in 24 hours. No credit pull until you say go, no obligation, and you'll walk away knowing your actual budget — even if you wait six months to buy.
No credit pull until you say go · No fees on A-lender deals · Same-day callback
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