Property Purchase
We compare offers from over 20 lenders to find the best financing for your new property.
Step-by-Step Process
Free Initial Consultation
We analyze your financial situation, needs and goals. By phone or video conference, with no travel needed.
Borrowing Capacity Analysis
Calculation of your GDS/TDS ratios, credit check, estimation of maximum borrowing amount.
Mortgage Pre-approval
Obtain a pre-approval that allows you to shop with confidence with a guaranteed rate for 90-120 days.
Offer Search & Comparison
We submit your file to multiple lenders (banks, credit unions, private lenders) to get the best conditions.
Options Presentation
We present the best offers with a detailed comparison: fixed vs variable rate, terms, special conditions.
Submission & Approval
Once you've chosen, we handle all paperwork with the chosen lender until final approval.
Notary Signing
We accompany you to the final signing and ensure everything is in order.
Required Documents
- Valid ID (2 pieces)
- Recent pay stubs (last 2)
- Federal and provincial tax assessments (last 2 years)
- Bank statements (last 3 months)
- Proof of down payment
- Employment letter confirming position and salary
- If self-employed: T4, T1 general and financial statements
- Accepted purchase offer (when applicable)
Eligibility Criteria
Stable and sufficient income to cover payments
Credit score of 600+ (ideally 680+)
Minimum down payment of 5% (purchase < $500K) or 10% (portion > $500K)
GDS ratio below 32% and TDS ratio below 40%
Stable employment history (minimum 3 months in current position)
Available Programs
Home Buyers' Plan (HBP)
Withdraw up to $35,000 from your RRSP for your down payment, tax-free. Repayable over 15 years.
First-Time Home Buyer Incentive (FTHBI)
Federal government offers an interest-free loan of 5% to 10% of the purchase price for first-time buyers.
First-Time Home Buyers' Tax Credit
Federal tax credit of $10,000 ($1,500 credit) for eligible first-time buyers.
FHSA (First Home Savings Account)
New tax-free savings account for first home purchase. Maximum contribution of $8,000 per year.
Consultation Mode
Choose your consultation mode: video conference or phone, with no travel needed.
Frequently Asked Questions
Request this service
Fill out the form and we will contact you within 24 hours.
Is this your primary residence?
Our other services
Refinancing
Optimize your current mortgage by accessing better conditions. Consolidate debt, finance renovations, or free up equity.
Mortgage Renewal
Don't automatically renew with your current lender. Let us negotiate the best conditions for your renewal.
Pre-Approval
Get a mortgage pre-approval to shop with confidence. Know your exact budget before looking for your property.