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Your First Home, Step by Step
Buying for the first time comes with a lot of new words and a lot of paperwork. Roger explains each step in plain language so you can make decisions with confidence.
The steps, in order
- Talk to a lender and get pre-approved.
- Look into first-time buyer programs such as the First Home Savings Account, the RRSP Home Buyers' Plan and land transfer tax refunds. Your lender and lawyer can confirm what you qualify for.
- Pick areas and must haves with Roger.
- Tour homes and learn what your budget buys.
- Write an offer with the right conditions.
- Inspection and financing before you firm up.
- Closing with your lawyer, then keys.
Mistakes Roger helps first-time buyers avoid
- Shopping above the pre-approval and stretching the budget.
- Skipping the inspection to win a bidding war.
- Forgetting closing costs like land transfer tax, legal fees and moving.
- Choosing the house and ignoring the street.
Serving Hamilton, Stoney Creek, Ancaster, Dundas, Waterdown, Binbrook and Glanbrook, Burlington, Grimsby and more. See all areas.
Talk to Roger
Tell Roger what you need. He replies personally, usually the same day.
Questions People Ask
How much do I need for a down payment?
It depends on the price of the home and federal mortgage rules, which change from time to time. Your lender will tell you the minimum for your situation.
Are there programs for first-time buyers?
Yes. Common ones include the First Home Savings Account, the RRSP Home Buyers' Plan and land transfer tax refunds for eligible first-time buyers. Confirm details and eligibility with your lender, accountant and lawyer.
Ready for Liftoff?
Get a free home value report or tell Roger what you are looking for. No pressure, no obligation.