The 2026 First-Time Buyer's checklist for Ontario
From the First-Home Savings Account to land transfer rebates — everything to line up before you make an offer.
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Independent mortgage advice for Canadian healthcare professionals, home buyers, and homeowners renewing or refinancing — better rates, fewer forms, real answers.
We shop 50+ lenders so you don't have to
Three focused paths, each with a tailored checklist, lead magnet, and a specialist who understands your numbers.
Special programs for doctors, pharmacists, dentists and nurses — lenders that understand professional and incorporated income.
First-time buyer or moving up — get pre-approved with confidence and lock the right rate before you shop.
Don't auto-sign your bank's renewal letter. Compare the whole market and unlock equity for what matters next.
We're not tied to one lender. That means we shop 50+ banks and credit unions to find the structure that genuinely fits you, then explain every option in plain language.
50+ lenders, zero bank quotas.
Most files approved in 24–48h.
Honest trade-offs, real math.
Answers on WhatsApp when it counts.
A real Canadian calculation — semi-annual compounding, your frequency, your amortization. Move the sliders.
A 2-minute form — no document dump, no credit hit. Just the basics.
We compare 50+ lenders and bring you the strongest options, plainly explained.
Most clients have an approval in 24–48 hours with a rate hold to protect you.
We coordinate with your lawyer and lender right through to funding day.
Bank-beating rates from our lender network. Yours will depend on your profile — let's confirm it in writing.
| Term | Type | Our rate | Bank posted | You could save | |
|---|---|---|---|---|---|
| 5 Year | Fixed Best | 4.24% | 5.49% | $182/mo | Lock it |
| 5 Year | Variable ▼ 0.10 | 4.95% | 6.10% | $165/mo | Enquire |
| 3 Year | Fixed | 4.49% | 5.69% | $174/mo | Enquire |
| 1 Year | Fixed | 5.79% | 6.84% | $148/mo | Enquire |
Rates shown are illustrative for prototype purposes and subject to change, OAC. Savings based on a $600,000 mortgage over a 25-year amortization.
"As a pharmacist with incorporated income, two banks turned me away. Satish found a lender that understood my situation and closed in three weeks."
"First-time buyers and completely lost. The team explained every step in plain language and we never felt pressured. Highly recommend."
"I was about to sign my bank's renewal at 6.1%. Satish got me 4.4% and consolidated a car loan. Saving over $400 a month now."
"Responsive on WhatsApp at every hour, honest about the trade-offs, and got us a better rate than our own bank offered. Five stars."
"The calculator on the site matched my real approval almost to the dollar. Refreshing to deal with someone this transparent."
From the First-Home Savings Account to land transfer rebates — everything to line up before you make an offer.
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Read articleNo obligation, no credit hit to start. Tell us your goal and we'll bring you real options within one business day.