Mortgage Solutions · First-Time Buyer
We handle the programs, the lenders, and the paperwork, so you can focus on finding the right place. There are seven incentives a first-time buyer in Ontario can stack. Most people only know two.
Get this straight first
Here's what to get straight in your head first. The rest we can handle together.
Bank calculators usually overstate your real buying power. The stress test, your debt ratios, and your down payment all matter, and the gap between "qualified" and "comfortable" is often $100K+.
We run your real numbers, not the optimistic onesBudget 1.5–4% of the purchase price for closing costs: legal fees, title insurance, home inspection, and land transfer tax (after any rebates). On a $700K home that's up to $28,000 most buyers don't factor in until late.
Closing-cost checklist before you offerPre-approval in 24–48 hours. Rate locked for 90–120 days while you shop. From accepted offer to closing is typically 30–60 days. Most surprises come from documents not collected early enough.
Document list up front, no scrambleToronto buyers pay a second municipal land transfer tax that buyers elsewhere in Ontario don't. First-time buyers get up to $8,475 back, but only if your lawyer applies for both rebates at closing.
Both rebates filed, not just the provincial onePrograms at a glance, built for you
Ontario first-time buyers can stack up to seven programs. Toggle the ones that apply to your situation and watch what they add up to. We confirm every number before you commit.
Why a broker, not a bank
On most first-time buyer files at A-lenders, the lender pays our commission on funding, so there's typically no cost to you. We figure out which programs you qualify for, then find the structure and the best rate from the same conversation.
See what you qualify for →Common questions
Last updated: May 2026
Tell us about your situation. We'll match you to the right product and lender.
Start pre-approvalAI assistant · General information