Buying your first home in the GTA is one of the biggest moves you’ll ever make — and the most confusing. Down payments, the stress test, land transfer tax, closing costs, government programs… We translate all of it into plain English and walk beside you from pre-approval to keys in hand.
Before you fall in love with a listing, get pre-approved. It tells you exactly what you can afford, locks in a rate while you shop (protecting you if rates rise), and makes your offer far stronger in a competitive GTA market. It takes one short conversation, and it’s free.
Land transfer tax (after any first-time-buyer rebate)
Legal fees and title insurance
Home inspection and appraisal
Property tax and utility adjustments
Contribute up to $8,000 a year (to a $40,000 lifetime max) — tax-deductible going in, tax-free coming out for your home.
Withdraw from your RRSP toward your down payment and repay yourself over time.
First-time buyers can claim a provincial rebate, plus an additional municipal rebate when buying within the City of Toronto.
Many lenders look for a score around 600+, but we work with options across the credit spectrum. Even if your credit is thin or bruised, talk to us — we’ll find the right fit.
Lenders must confirm you could still afford payments at a higher qualifying rate than your actual rate. It can reduce your maximum, so we factor it into your pre-approval from day one — no surprises.
From accepted offer to closing it’s typically 30–45 days, depending on financing, inspections, and negotiations. Pre-approval can be done well before you start shopping.
