Plan your first purchase with transparent advice, calculators, and secure reminders.
From RRSP withdrawals to CMHC premiums, we translate every acronym into a simple plan. Your dashboard keeps track of incentives, CASL consent, and document checklists so you stay prepared through every lender condition.
We map your income, debts, and savings into affordability calculators, then benchmark against real lender pricing for insured files. Every scenario includes stress-test results, premium tables, and education on the Smith Manoeuvre / Maneuver so you understand payoff options for later.
You’ll leave discovery with a pre-approval target, closing-cost breakdown, and renewal reminder already set up six months before the end of term.
Buying on minimum down payment can stretch cash flow. We compare fixed versus variable triggers, outline the impact of future childcare expenses, and partner with tax professionals when strategies like rental damming surface. Every email honours CASL, complete with opt-out management.
We outline eligibility for the First-Time Home Buyer Incentive, RRSP Home Buyers' Plan, and provincial rebates. Your dashboard keeps proof of withdrawal and repayment schedules for audit readiness.
High-ratio loans work, but we confirm GDS/TDS ratios, CMHC premiums, and stress tests before you make an offer. We also project closing costs so you keep enough cash aside.
Yes—gifted down payments and co-signers are common. We document the gift letter and match lender policy so there are no last-minute surprises.