Buying your first home is exciting, but it can feel overwhelming without a clear roadmap. We start by confirming your affordability and building a complete financial profile, then secure a pre-approval so you know exactly what you can spend and can act quickly when the right home appears. With your numbers set, we’ll outline timelines, documents, and costs so there are no surprises along the way.
From saving your down payment and closing costs to choosing professionals (realtor, lawyer, home inspector), we guide every decision with practical steps and plain-language explanations. You’ll get checklists, a glossary for unfamiliar terms, and advice on programs like the RRSP Home Buyers’ Plan—so you move confidently from search to offer to closing day.
Before you start looking for a home, we need to know how much we qualify for.
- The first step is to create a financial profile by filling out our online mortgage application.
- Once a financial profile has been created, we can apply for a pre-approval. Read more about the benefits of a pre-approval.
- The pre-approval will determine how much of a home you can afford.
Buying a home is a big decision and it is important to ensure you have prepared.
- We will need to save for our down payment and closing costs. How much will I need?
- Save for your down payment using your RRSP and the Home Buyers’ Plan
- You may find that mortgage lingo is confusing. Check out our list of common mortgage terms in our glossary.
There are hundres of homes for sale in my area, where do i start?
- To narrow down your search you should create a list of needs and wants. Check out our checklist!
- It is time to hire your team to help you through the process. From realtors to lawyers to home inspectors, check out our list of professionals.
