Your complete guide to homeownership. Buying your first home is one of the biggest financial decisions you'll make. We're here to guide you through every step, from pre-approval to closing, ensuring you get the best mortgage for your situation.
Before you start house hunting, get a mortgage pre-approval. This shows sellers you're a serious buyer and tells you exactly how much you can afford. It typically takes 1-2 days.
Work with a real estate agent to find homes in your budget and preferred area. You can now shop with confidence knowing your budget.
When you find the right home, your agent will help you make a competitive offer. This includes the purchase price, closing date, and conditions.
Once your offer is accepted, you'll typically have 10 days to arrange a home inspection and finalize your mortgage details.
Hire a professional home inspector to identify any issues with the property. This protects your investment and can be a negotiation point.
We'll finalize your mortgage details, arrange an appraisal, and complete all documentation. You'll lock in your interest rate.
Sign all documents, transfer funds, and receive the keys to your new home. Congratulations!
Withdraw up to $35,000 from your RRSP to buy your first home. This tax-free withdrawal can significantly boost your down payment.
A shared equity mortgage from the government. They invest 5-10% of your home's purchase price, reducing your down payment requirement.
Ontario offers a land transfer tax rebate for first-time home buyers on properties up to $368,000.
Save for your down payment in a TFSA. While you can't withdraw like an RRSP, you can use it for your down payment without tax.
Let's discuss your mortgage goals. Schedule your free consultation today.
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