First-Time Home Buyer Mortgages
Step-by-step guidance from pre-approval to keys in hand — with every program and rebate explained in plain English.
Buying your first home in Toronto is exciting — and easier with someone who has guided thousands of first-time buyers through the process. I help you understand what you can afford, which programs you qualify for, and how to make a competitive offer without surprises at closing.
Programs first-time buyers use
RRSP Home Buyers' Plan
Withdraw up to $60,000 per person tax-free for your down payment, with a structured repayment plan.
FHSA
Tax-deductible savings that can combine with the HBP for a stronger down payment.
Land transfer rebates
Ontario first-time buyer rebates can save thousands — we factor this into your cash-to-close.
CMHC & stress test
Understand insurance premiums and qualifying rates before you fall in love with a listing.
Your path to closing
- Consultation — goals, timeline, and document checklist
- Pre-approval — real number, often same day with complete files
- Home search — shop with confidence in Toronto neighbourhoods
- Offer & approval — lender selection and conditions managed
- Closing — lawyer coordination and final walkthrough to keys
New to the stress test? Read the guide or use the mortgage calculator on the home page.
Common questions
How much down payment do I need?
Minimum 5% on the first $500,000 and 10% on the portion above that up to $1.5M. Twenty percent down avoids CMHC insurance.
How long does pre-approval take?
Often same business day once income, credit, and down payment documents are in.
Ready for your first home in Toronto?
Book a free consultation — no pressure, no jargon.
Start Pre-Approval