First Time? I Want to Help.
Buying your first home is a huge milestone, and it comes with a mix of excitement, nerves and a million questions. That is where I come in.
Why first-time buyers love working with me
With 25+ years in the financial services industry (and a cozy love for pineapples and helping people), I am here to make your first-time journey strategic, supportive and stress-free.
Education-first approach: I break down every step, no jargon.
Strategic planning: we will create a custom mortgage game plan that fits your goals.
Access to all the programs and perks: including tax credits and savings tools like the FHSA.
Real talk and real support: this is a judgment-free, fluff-free zone. I have your back.
The first-time buyer process (simple + supportive)
1. Book a call
We will talk about your goals, where you are at today and your dream home journey.
2. Get pre-approved
I will walk you through the online application, explain what lenders are looking for and help you get your budget sorted with confidence.
3. Explore incentives
We will go over every dollar available to you, including the programs below.
4. Shop with confidence
With your pre-approval, your incentives and a clear budget, you will be ready to house-hunt with your realtor, and I will be here the whole way.
5. Make it official
I will handle the lender negotiations, paperwork and digital signing so your mortgage approval is smooth and stress-free.
Programs and perks for first-time buyers
First Home Savings Account (FHSA)
A registered plan to help you save for your first home. Contributions are tax-deductible, and withdrawals for your first home are tax-free. Learn more from the CRA
Home Buyers' Plan (HBP)
Withdraw up to $60,000 from your RRSPs to buy or build a first home, tax-free, as long as you repay it within 15 years. Full details from the CRA
First-Time Home Buyers' Tax Credit
Claim $10,000 on your taxes in the year you buy your first home, worth up to $1,500 in tax relief. More from the CRA
First-Time Home Buyers' GST Rebate (new homes)
Buying a brand-new home from a builder? You may get back the GST, up to $50,000 on a home priced up to $1 million. The rebate shrinks for homes between $1 million and $1.5 million. Your agreement with the builder must be signed on or after March 20, 2025, and before 2031, and the home must be your main residence. More from the CRA
Your first home should feel like home from day one
That is why I am committed to guiding you through every step, not just to get you a mortgage, but to help you build a solid financial future.
Let us take that first step together
Your journey to homeownership starts here. Book a call and let us talk about where you are today and where you want to be.