First Time Home Buyer
First Time Home Buyer
Purchasing your first home is more than a transaction—it’s a milestone achievement on your financial journey. At Active Mortgage, we specialize in turning the dream of homeownership into reality for first-time buyers through personalized guidance, access to specialized programs, and a streamlined approach to mortgage financing.
Making Homeownership More Accessible
The financial barriers to homeownership can seem daunting, but numerous programs exist specifically to help first-time buyers:
- Low Down Payment Options: Qualify for a mortgage with as little as 5% down, making homeownership achievable sooner
- First-Time Home Buyer Tax Credit: Receive up to $750 in tax relief to help offset closing costs
- Shared Equity Mortgage: Reduce your monthly payments through the First-Time Home Buyer Incentive, where the Government of Canada shares in your home investment
Beyond Just Finding a Mortgage
Our commitment to first-time buyers extends beyond simply securing financing:
- Education First: We explain the entire mortgage process in clear, straightforward terms
- Budget Planning: Develop a realistic homeownership budget that considers all costs
- Future Planning: Structure your mortgage with your long-term financial goals in mind
- Stress-Free Approval: Navigate the application process with expert guidance at every step
Beyond the Standard Approach
We understand that traditional lending criteria don’t always capture the full picture of your business’s potential. Our approach includes:
- Evaluating the income potential of the property itself
- Considering your business track record beyond just credit scores
- Structuring loans that accommodate seasonal business fluctuations
- Finding options for businesses with special circumstances
Your Questions Answered
As a first-time buyer, you likely have questions about the process. Our mortgage advisors provide answers on:
- How much home you can realistically afford
- Which government programs you qualify for
- How to improve your application’s strength
- Understanding closing costs and additional expenses
- Choosing between fixed and variable rates
Take Your First Step Today
Homeownership may be closer than you think. Our team at Active Mortgage specializes in helping first-time buyers navigate the journey with confidence and clarity.
Contact us today for a no-obligation consultation to explore your options and discover if you qualify for specialized first-time buyer programs. Your path to homeownership begins with a conversation
The Active Mortgage difference
Current Mortgage Rates
5 Year
Fixed
4.34%
3 Year
Fixed
3.99%
5 Year
Fixed Special
3.94%
5 Year
Variable
4.45%
5 Year
Var Special
4.10%
Real Stories, Real Success: What Our Clients Say
Visit the Active Mortgage Blogs
We launched our nesto academy with one goal: To guide you in your life’s most important financial decision. Read & become a mortgage expert.
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