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Expert guidance for first-time buyers in Canada. Learn about 30-year amortizations, FHSA, and get pre-approved for your first home today.
Comprehensive Support: Beyond the mortgage, we guide you on maximizing the Tax-Free First Home Savings Account (FHSA) and the Home Buyers' Plan (HBP). We explain "insurable" vs. "uninsurable" mortgages in plain English, ensuring you understand exactly how your down payment size (less than 20% vs. 20%+) impacts your rate.
The 30-Year Advantage: We help you determine if you qualify for the newly expanded 30-year amortization on insured mortgages. This pivotal change can significantly lower your monthly payments, increasing your buying power and helping you pass the "Stress Test" more easily.
Why Choose Us: We don't just get you a pre-approval; we coach you through the offer process. In a market where inventory is tight and competition is high, having a broker who can communicate directly with the seller's agent to vouch for your financing can be the difference between "Sold" and "Better luck next time."