There's no place like (your first) home.
Dream of owning? We dream of helping you get there — with your best rate, better mortgage, and simple, stress-free process. Download our free buyer's guide!
We've been doing this mortgage thing for over 19 years — and have helped many first-time home buyers move out of their parents' basements or break the cycle of renting.
There's a lot to know, especially if you want to save more. Is your bank going to help you with that? Short answer: No.
But we can, as one of Canada's top mortgage brokerages:
Apply now, schedule a call-back, give us a shout by phone or email, drop by a store — wherever you are in Canada, you'll get a fast response and unbeatable mortgage advice.
See an ultra, ultra low rate on the web? Guess what? The mortgage that comes with it may trap you with higher penalties or restrictions that cost you more money in the long run or at renewal time. For your first mortgage, it's important to get the right fit at the best rate so that it works for you over the long term.
That's where we come in — we know mortgages inside and out and can find the right one for you. If you go to your bank, you'll only get what they offer. We can check with all of them (plus our CMHC-approved, in-house lender, THINK Financial), which means you can sleep easy knowing that you didn't miss out on a better option.
Need cash upfront? We can offer Cash Back Mortgages on both variable and fixed rates. Ask us if this option is right for you.
Besides being a big commitment, it may be the single most important financial decision you'll ever make. That sounds hard, but we make the process easy and smooth, while saving you a pile of cash.
Here are some ways we can help streamline your first home purchase:
Get human help from an expert, right to the end. In fact, we're with you when you first walk through your own front door (just kidding, but we're with you in spirit, doing a dance of joy).
Read more: Seven Things About Buying Your First Home
Use our calculator for a quick idea of how much home you can afford.
See for yourself how much you can save with our lower rates.
See what your monthly payment could be, with our quick and accurate calculator.
Your closing costs are on top of your down payment — calculate them here.
Land Transfer Taxes and Title Fees depend on your provincial or municipal government.
All the Canadian area-specific fees, taxes and rebates in one place. What's in your area?
We have great advice that may help soften the financial blow of your first home. With higher entry prices, especially in larger-centre markets, there are federal and provincial programs and rebates available:
Feel free to contact us even before you're ready to apply, to get the information you need.
Then, when you're ready, we'll check with the lenders on your behalf and guide you through all the options to find your best financing solution. You'll get your mortgage approved at the best rate and most flexible terms.
Need a realtor or real estate lawyer? We can also help you with that, too — providing referrals based on our long-standing, trusted relationships within the industry.
*An additional insurance premium applies for 30-year extensions. Have questions? Please talk to your expert True North broker today.
It's your first mortgage, but definitely not ours. You'll have peace of mind knowing that our highly-trained brokers guide you through every step of your mortgage process, smooth as silk, while providing essential insights, tips, and answers to all your questions:
When you first walk through your (own) door, you'll feel the joy of knowing that you got the best mortgage rate and fit, and that we're always here for you in the future.
Read more:
How does your mortgage renewal work?
Schedule your friendly renewal reminder here.
The Canadian housing market can present affordability challenges for first-time buyers, prompting some to explore more creative strategies to achieve home ownership more quickly.
Here are some topics that may interest you, and that we regularly advise or support our clients in achieving:
No matter where you are in Canada, we're a click or phone call away.
Continually updated. Where rates may go now and later — and what’s driving them.
Continually updated. Get an idea of the housing outlook and interesting deets without combing…
Essential information, tips and worksheets to help make your first home a reality.
You can currently withdraw up to $60K from your RRSPs toward your first down payment.
Our rates are 0.18% lower on average compared to everyone else. Prove it? Okay!
You have to be able to handle higher payments as a buffer for affordability.
Here's the breakdown of how your score can affect your rate.
We care, and it shows — we now have over 16,000 5-star client reviews.
Know before you go (house hunting, that is). Get pre-approved fast, hold your best rate.
Which rate type works best for you, variable or fixed? Some pros and cons to help you decide.
From paycheque to your mortgage approval, here's how lenders view your income.
Want to buy a home? You'll need at least 5% down. But wait, there's more.
Need to renovate? Welcome to loan sweet loan. One manageable mortgage, one best rate.
Insured mortgages can mean better rates and options. Here's how they work.
Is your spidey-sense tingling? Watch out! That bargain-bin rate may cost you more later.
Important things to keep in mind when buying pre-construction.
What non-traditional income sources count toward your mortgage application?
A no-interest mortgage, there's buzz that wider access to this product may be on the way.
