First-time buyer? Upgrading? or Relocating?
We can tailor a solution for you.
With 25+ years of experience, we’ve helped thousands of first-time buyers move out and break free from renting.
As one of Canada’s top mortgage brokerages, we use our strong lender relationships and volume discounts to secure some of the lowest rates in the industry. Our team of highly trained brokers offer honest, expert advice tailored to your needs no bias, just your best interest in mind.
Whether you want to apply online, request a call-back, contact us by phone or email, or visit us in person wherever you are in Canada, you’ll get a fast response and unbeatable advice.
Who we Support?
- First-time home buyers
- Families upgrading to a new home
- Newcomers to Canada
- Self-employed professionals
- Individuals with low or bruised credit
- Families buying a second home
Even if the bank says no, we say yes.
Book A Free Consultation.
You should get the best mortgage possible! Request a free consultation and we’ll handle the rest.
Benefits of Working with Us
For First-Time Buyers:
- Compare rates from top lenders to secure competitive deals.
- Use advanced tools to identify the lowest rates quickly.
- Access tailored advice from experienced local brokers
- Explore special programs designed for first-time buyers
For All Homebuyers:
- Access competitive rates tailored to your unique financial goals.
- Refinance with ease to reduce monthly payments or shorten your term.
- Leverage home equity to fund renovations, education, or investments.
- Enjoy a stress-free experience with our step-by-step guidance.
Over 30+ Top-Rated Lending Partners
More Lenders, More Options, Better Rates
We have a pool of home loan options that allow us to find you the most ideal solutions. Our team of experts’ research and negotiate on your behalf to secure the best outcomes.
Ready to take
the next step?
Frequently asked questions
A general rule is that your total housing costs shouldn't exceed 32% of your gross monthly income, and total debt payments shouldn't exceed 40%. For example, with a $80,000 annual income, you could potentially afford a home around $350,000-$400,000 with 10-20% down. We provide free affordability calculations based on your specific situation, current rates, and local market conditions.
The minimum down
payment is 5% for homes under $500,000, 5% on the first $500,000 plus 10% on the remainder
for homes $500,000-$999,999, and 20% for homes over $1 million. However, putting down more reduces your mortgage insurance costs and monthly payments. We help you determine
the optimal down payment strategy for your situation.
Pre-approval typically takes 24-48 hours with complete documentation. Once you find a property, final approval usually takes
7-14 days. The key is having all your documents ready upfront - employment verification, income statements, bank statements, and credit report. We guide you through exactly what's
needed to avoid delays.
Pre-qualification is an estimate based on basic information you provide. Pre-approval involves a thorough review of your finances, credit check, and document verification, resulting in a commitment letter from a lender. Pre-approval gives you negotiating power and shows sellers you're a serious buyer. We recommend getting pre-approved before house hunting.
Fixed rates provide payment certainty but are typically higher. Variable rates start lower but can fluctuate with prime rate changes. Your choice depends on your risk tolerance, budget flexibility, and market outlook. Currently, the rate differential and economic conditions favor [current recommendation]. We analyze your situation to recommend the best option.
Beyond your down payment, budget for closing costs (1.5-3% of purchase price), including legal fees, home inspection, appraisal, title insurance, and moving expenses. Don't forget ongoing costs like property taxes, home insurance, utilities, and maintenance. We provide a complete cost breakdown so there are no surprises
