Home Purchases
Whether you're buying your first home or your fifth, I'll find the mortgage that fits your life.
Your Home Purchase, Simplified
Buying a home is one of the biggest financial decisions you'll ever make. As your mortgage broker, I do the heavy lifting — shopping dozens of lenders, comparing rates and terms, and presenting you with the best options for your situation. You get expert guidance from application to closing, at no cost to you.
How the Process Works
Pre-approval
We start with a pre-approval so you know exactly how much you can borrow and at what rate — giving you confidence when you make an offer.
Shop with confidence
With a pre-approval in hand, you can make offers knowing your financing is in order. Sellers take pre-approved buyers more seriously.
Mortgage application
Once your offer is accepted, I submit your full application to the lender with the best rate and terms for your situation.
Approval & closing
I coordinate with your lawyer and the lender to ensure everything is in place for a smooth closing day.
Types of Home Purchase Mortgages
First-time buyer
Take advantage of programs like the First Home Savings Account (FHSA), Home Buyers' Plan (HBP), and the First-Time Home Buyer Incentive to maximize your purchasing power.
Conventional mortgage
With 20% or more down, you avoid CMHC mortgage insurance and have access to the widest range of lenders and products.
High-ratio mortgage
Putting down less than 20%? A high-ratio mortgage with CMHC, Sagen, or Canada Guaranty insurance lets you get into the market sooner.
New construction
Buying a pre-sale or newly built home has unique financing requirements. I'll ensure your mortgage is structured to match your build timeline.
Frequently Asked Questions
How much do I need for a down payment?
The minimum down payment in Canada is 5% for homes under $500,000, and 10% on the portion above $500,000 up to $999,999. Homes over $1 million require 20% down.
What's the difference between a fixed and variable rate?
A fixed rate stays the same for your entire term, giving you payment certainty. A variable rate fluctuates with the prime rate — historically lower over time, but with more uncertainty.
How long does mortgage approval take?
Pre-approval can happen within 24–48 hours. Full approval after an accepted offer typically takes 3–5 business days.
Do I need a good credit score?
Most lenders require a minimum score of 680 for the best rates. I work with lenders who can accommodate lower scores in certain situations.
Let's Get You Pre-Approved
The sooner we start, the more options you'll have. Reach out today and I'll walk you through everything.
Apply Now