Mortgage Services
The process feels designed to confuse you. I'll change that.
Get StartedThe Big Picture
Most first-time buyers come to me with a number in their head and a lot of questions. That's exactly the right place to start. Before you spend a single Saturday at an open house, you'll want to know what you actually qualify for, not just what the online calculator tells you.
A pre-approval locks in your rate for up to 120 days, tells your realtor what price range to shop in, and shows sellers you mean business. I'll pull together your full financial picture: income, down payment, debt, and match you with the right lender before you're emotionally invested in a specific property.
After your offer is accepted, I handle the lender conditions, coordinate with your lawyer, and send you a personalized video walking through every detail of your mortgage, so you can review it with your family without scrambling to take notes on a call.
The Process
01
Income, down payment, debt, and goals. This takes one conversation, usually 20 to 30 minutes. I'll tell you exactly where you stand and what your realistic purchase price looks like.
02
I submit to the right lender for your situation and get your pre-approval in place, with a rate hold so you're protected while you shop. You'll have a clear budget before you look at a single listing.
03
Once you're under contract, I manage the conditions, respond to lender requests, and keep everything on track for your closing date. Then I send you a custom video walkthrough of your mortgage so you know exactly what you signed.
Eligibility
Gathering the right paperwork upfront speeds everything up. Here's what most lenders will want to see:
Proof of income
Two years of T4s or NOAs, plus recent pay stubs. If you're salaried, that's usually enough. Self-employed? We have other options.
Down payment confirmation
90-day history on your savings account, TFSA, RRSP, or FHSA. Gift letters if part of the money is coming from family.
Identification
Two pieces of government-issued ID.
Employment letter
A letter from your employer confirming your position, start date, and income. If you're on probation, that matters too.
Government Programs
There are a few federal programs designed specifically for first-time buyers. Whether they apply to you depends on your situation, but they're worth understanding before you buy.
Contribute up to $8,000 per year (lifetime max $40,000), get a tax deduction, and withdraw tax-free to buy your first home. One of the best savings tools available if you're planning ahead.
Withdraw up to $35,000 from your RRSP tax-free to use toward your first home purchase. You have 15 years to repay it back into your RRSP.
A $10,000 non-refundable federal tax credit on qualifying home purchases, worth up to $1,500 back on your taxes.
If you're buying a new build or substantially renovated home, you may qualify for a partial rebate of GST or HST paid.
Get Started
Not sure if this applies to your situation? One call usually gives you a clear answer.
