GET INTO YOUR DREAM HOME
WITH CONFIDENCE
Whether it's your first time or your fifth, buying a home is a big deal. We coach you through the entire process so you close with zero surprises.
📊 Purchase Snapshot — Ontario
0.00%
Minimum Down Payment
5%Stress Test Rate
7.24%Max Amortization (insured)
25 YearsMax Amortization (uninsured)
30 YearsCMHC Insurance (5% down)
4.00% premiumWe Explain Every Number Before You Sign
Most buyers sign their mortgage without understanding half of what's in it. We change that. Every term, every clause, every cost — explained in plain English by a real squad member.
Pre-approval that actually means something when you make an offer
Access to 30+ lenders to find the best rate for your situation
First-time homebuyer programs and RRSP strategies explained
Closing cost calculator so there are zero financial surprises
Side-by-side comparison of fixed vs. variable — in plain English
Your Step-by-Step Playbook
Get Pre-Approved
Know your real budget before you fall in love with a home. Our pre-approval is fast, accurate, and lender-ready.
Shop With Confidence
Your agent knows you're serious. Your offer has weight. You know exactly what you can afford without stress.
Choose Your Mortgage
We present your top options in a simple comparison. You pick the one that aligns with your life — not just a rate.
Close & Celebrate
We coordinate with your lawyer and lender to make closing day smooth. Then we hand you the keys. 🎉
Frequently Asked Questions
In Canada, the minimum down payment is 5% on homes up to $500,000, and 10% on the portion between $500,000–$999,999. For homes $1M+, you need 20%. However, putting down at least 20% avoids CMHC mortgage insurance premiums, which can add thousands to your mortgage.
The stress test requires you to qualify at either 5.25% or 2% above your contracted rate — whichever is higher. This ensures you can still afford payments if rates rise. We run your numbers through the stress test during pre-approval so there are no surprises.
Typically 1.5%–4% of your purchase price. This includes land transfer tax (Ontario has provincial + possible Toronto municipal), legal fees, home inspection, title insurance, and adjustments. We provide a full closing cost estimate upfront so you're never caught off guard.
It depends on your risk tolerance and financial situation. Fixed rates offer payment certainty; variable rates historically save money over time but fluctuate. We'll walk you through a side-by-side scenario analysis for your specific numbers before you decide.
Your Keys Are Waiting.
Get your pre-approval today — no credit check required to start the conversation.