First - Time Home Buyer
Buy Your First Home with Confidence
Buying your first home in Alberta, Ontario or Manitoba doesn’t have to be overwhelming. We guide first-time home buyers through every step — from mortgage pre-approval to closing day.
Get clarity. Get approved. Get moving.
Start with Mortgage Pre-Approval
A mortgage pre-approval helps you:
✔ Know how much you can afford
✔ Lock in competitive mortgage rates
✔ Strengthen your offer
✔ Shop with confidence
Before you fall in love with a home — know your numbers.
How Much Down Payment Do You Need?
In Canada, first-time home buyers can purchase with as little as:
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5% down (for homes under $500,000)
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5–10% down (up to $999,999)
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20% down (for $1M+ homes)
We’ll explain your options clearly and structure your mortgage the right way from day one.
First-Time Home Buyer Programs
You may qualify for:
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RRSP Home Buyers’ Plan (HBP)
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First-Time Home Buyer incentives
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Provincial rebates (including Ontario land transfer tax rebate)
We help you maximize every available benefit.
Let’s Build Your Plan
Your first mortgage sets the foundation for your future.
Let’s make sure it’s structured properly.
Get Pre-Approved Today
