Your First Home
Starts Here.
Buying your first home is exciting — and overwhelming. We guide you through every step, from pre-approval to keys, making sure you never feel lost.
First-Time Buyer Help
Free · no obligation
Response in 5 min · No credit check to start
Why Work With Us
First-time buyer?
We make it easy.
Education First
We explain every step in plain language. No jargon, no pressure — just honest guidance.
Down Payment Help
Learn about RRSP withdrawals, grants, and programs that can reduce your down payment.
Fast Pre-Approval
Get pre-approved in 24 hours so you can start shopping with confidence.
Patient Service
We know this is your first time. We'll answer every question, no matter how small.
Closing Support
From offer to keys, we coordinate with your lawyer, realtor, and lender.
Best Rate
We compare 50+ lenders to find the lowest rate for your first mortgage.
The Process
Your path to
homeownership.
Free Consultation
Tell us about your goals, income, and budget. We'll explain all your options.
Get Pre-Approved
We submit to 50+ lenders and get you pre-approved in 24 hours.
Find Your Home
Work with a realtor to find the perfect home within your budget.
Close & Move In
We handle the mortgage side, your lawyer handles the rest. You get keys!
Grants & Programs
Money available
for first-time buyers.
Home Buyers' Plan (HBP)
Withdraw up to $35,000 from your RRSP tax-free for a down payment.
First-Time Home Buyer Incentive
CMHC shared equity program — 5% or 10% toward your purchase.
Land Transfer Tax Refund
Ontario refunds up to $4,000 (Toronto) or $2,000 (elsewhere) for first-time buyers.
GST/HST New Housing Rebate
If buying a new home, you may qualify for a rebate on the tax.
Government Down Payment Programs — 2026 Guide
First-time buyers in Ontario can combine multiple programs to maximize their down payment and minimize out-of-pocket costs. Here's a complete breakdown of every program available.
| Program | Max Contribution | Eligibility | Tax Benefit |
|---|---|---|---|
| First Home Savings Account (FHSA) | $40,000 (2023–2024) | First-time buyers, <$95K household income | Tax deduction + tax-free growth |
| Home Buyers' Plan (HBP) | $35,000 per person | First-time buyers, RRSP account holder | Withdraw from RRSP tax-free |
| Combined FHSA + HBP | Up to $75,000 | First-time buyers with both accounts | Maximum down payment boost |
| Land Transfer Tax Rebate (Ontario) | Up to $4,000 | First-time buyers, property < $368,750 | Reduces closing costs directly |
Testimonials
First-time buyers
who made it.
“We had no idea what we could afford. The matching service walked us through everything, got us pre-approved in 24 hours, and helped us close in 3 weeks.”
Raj & Priya K.
Whitby
“The platform responded within minutes and kept us informed at every stage. As first-time buyers, we couldn't have asked for better guidance.”
Michael & Amy B.
Pickering
“I thought I needed 20% down. Our matching service showed me programs that let me buy with just 5%. Now I'm a homeowner!”
Sarah M.
Oshawa
FAQ
First-time buyer questions.
First-Time Buyer Down Payment Programs
There are several programs available to help first-time buyers access their down payment faster. Here's how they compare:
| Program | Max Contribution | Eligibility | Tax Benefit |
|---|---|---|---|
| First Home Savings Account (FHSA) | $40,000 (2023–2024) | First-time buyers, <$95K household income | Tax deduction + tax-free growth |
| Home Buyers' Plan (HBP) | $35,000 per person | First-time buyers, RRSP account holder | Withdraw from RRSP tax-free |
| Combined FHSA + HBP | Up to $75,000 | First-time buyers with both accounts | Maximum down payment boost |
| Land Transfer Tax Rebate (Ontario) | Up to $4,000 | First-time buyers, property < $368,750 | Reduces closing costs directly |
Ready to buy your first home?
Get matched with pre-qualified lenders. We'll explain all your options, grants, and get you pre-approved fast.