First-Time Homebuyer Mortgages in the GTA
Buying your first home is a lot to take in. I explain each step in plain language, from setting a budget to closing day, so you know what's coming.
Why a plan helps before you start looking
Your first purchase has a lot of moving parts: qualifying, saving the down payment, closing costs and timelines. Knowing the steps ahead of time means fewer surprises and more confident offers.
What I look at
- How much you can comfortably borrow and what that means for your budget
- Your down payment, including programs available to first-time buyers
- Closing costs to plan for beyond the down payment
- Which mortgage type and term suit your plans
How it works
- Start with your goalWe talk about the home you want, your timeline and what feels comfortable for your budget.
- Get pre-approvedI verify your file and confirm your range before you shop.
- Offer to closingI stay with you through the offer, the lender's paperwork and closing day.
I want you to know what I know, so we make an informed decision together. My aim is a relationship that lasts longer than your mortgage.
Download
First-Time Homebuyer Document Checklist
A one-page list of what to have ready when you apply for your first mortgage.
Common questions
What do first-time buyers need to apply?
Typically ID, proof of income, proof of your down payment and your employment history. The checklist below lists the specifics.
Should I get pre-approved before I start looking?
Yes. It confirms your price range and shows sellers you're serious.