First‑Time & Move‑Up Home Buyers
New Purchase
Secure the keys to your home with expert, regulation‑ready guidance.
Minimum Down Payment Clarity
5 % on the first $500,000
10 % on the portion between $500,001–$999,999
20 % on homes $1 M+ (not CMHC‑insurable)
Stress‑Test Success
We pre‑qualify you at the higher of the contract rate + 2 % or the benchmark rate, so there are no last‑minute denials.
Insurance & Incentives
CMHC/Sagen/Canada Guaranty coverage up to $999,999 with <20 % down, plus guidance on the FHSA, Home Buyers’ Plan (HBP), and up to $4,000 Ontario Land Transfer Tax rebate.
Rate‑Hold Advantage
Lock today’s rate for up to 120 days while you shop—at no cost.
Full‑Service Closing
We coordinate appraisals, lawyers, and title insurance, keeping your move‑in date on track.
Quick Tip: Pair your FHSA and HBP withdrawals to boost your down payment without triggering tax.
Expand your portfolio—compliantly and profitably—from Windsor to Ottawa.
Investment/ Second Home
Down Payment Rules
20 % minimum on 1–2 unit rentals
25 %+ on 3–6 unit properties
CMHC insurance is unavailable unless you occupy a unit (in which case as low as 5 % is possible).
Rental‑Income Utilization
Up to 80 % of market rent can be added to your income for qualification—maximizing borrowing power.
Product Flexibility
Access conventional, B‑lender, and private options (interest‑only, variable, or short‑term) tailored to cash‑flow goals.
Cost & Tax Transparency
We itemize Ontario Land Transfer Tax, potential Non‑Resident Speculation Tax, HST on new builds, and amortization impacts—before you commit.
Refinance & Equity‑Pull Strategy
Post‑closing, we monitor equity growth and rates, ready to refinance when it makes sense to fund your next purchase.
Quick Tip: Buying a property built after 1974? Some lenders waive the rental‑offset cap if the unit is separately metered—ask us how.
Our Process
Outline your property goals, target rent, and holding timeline.
Discovery Call (15 min)
Receive a written rate hold and max purchase price within 24 hours.*
Pre‑Approval
We review your deal, projected rents, and closing costs before you sign.
Offer‑Time Advisory
We liaise with appraisers, lawyers, and insurers, then stay on‑call to optimize refis and additional purchases.
Funding & Beyond
Subject to lender approval and prevailing market conditions. Information accurate as of May 2, 2025 and intended for Ontario residents only; regulations may change without notice.
Working for you, not the Banks
Markets Served: Serving Toronto and Surrounding Area
Working for you, not the banks.
Serving Toronto and surrounding
areas, I provide expert Mortgage
solutions, purchases, refinances,
renewals, and more. Get a free
quote today and experience service
focused on your goals, not the
lenders
What Our Clients
Say About Us
I just want to say thanks. From the first phone call to the end of the process you made things seem easy. Thanks again for everything.
Samir
Thank you so much for all your care, attention to details and hard work. The pre approval process really help make our first time home purchase a breeze!
Mina
I would just like to personally thank you in regards to our latest Mortgage renewal, you made the entire process smooth and painless. We will definitely be using your services again.
Karen