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We’re here to help, at every step of the way.


When you’re buying your first home, there's a lot to consider. Together, we’ll figure out which mortgage is right for you.
By looking at your current financial situation, we’ll give you the personalized advice you need to move with confidence and answer all your questions on things like:

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Pre-approval defines your price range and, because it shows that you’re taking things seriously enough to have looked into financing, it gives you an edge when making offers.

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Mortgage insurance

Depending on how much you have for a down-payment, you may need mortgage insurance and a high ratio mortgage which would be approved by  Canada Mortgage and Housing Corporation (CMHC) or Genworth Corporation.

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Fixed vs. variable rates

Whether you should take a fixed rate or variable rate mortgage depends on your income stability and how comfortable you are making adjustments if interest rates rise.


Buying vs Renting


The differences between renting and owning are enormous, but the question of which is better for you is a highly personal one. There are many personal factors to weigh. Are you looking for a sense of community or freedom to move around? Do you need stability? Are home maintenance and financial commitments something you’d like to take on? Whatever you decide, we’ll make sure you feel right at home.

Financially speaking, you can expect your monthly mortgage payments and related costs to be higher than rental payments. We can help you pinpoint the right sized mortgage, and make sure you can still afford food, clothing, gas, car insurance, vacations, and other leisure expenses on top of your monthly bills.



Choosing the Right Home


Once you’ve decided to buy, you need to find the right place.
The property you buy is more than just an investment, it’s your new home-- your very own piece of your neighbourhood.

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Make a list

When looking at potential homes, consider all the factors that are important to you, like layout, location, and structural and property soundness. We recommend making a list of 'must haves,' and a list of ‘nice to haves’-- things that would be great, but aren’t essential. You should also investigate whether municipal or regional authorities are planning changes to civic code, zoning, or by-laws that could affect the value or nature of the property in the future.

You may want to consider using a real estate agent to keep you informed on these and other factors that could influence your decision.

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Get pre-approved

We recommend taking the time to investigate all of your options, and getting pre-approved in advance. This way, when you find your dream home, you won’t have to make a conditional purchase offer (which can complicate the process and make your offer less appealing to sellers).


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Take your time

When buying your first home, don't rush it. It's better to wait a little longer for the home you truly want than to settle for a home (and a mortgage) you aren’t happy with. Keep looking until you find a home that’s right for you on every level.

We’ll be right by your side to help make sure that when you sign your name to an offer, you feel confident knowing you've made the best choice.
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Ready to get moving?

Contact us today,
and open new doors tomorrow.