Your Complete Mortgage Journey
A comprehensive guide to buying your first home in Canada. From saving your down payment to getting your keys, we'll guide you through every step.
What You'll Learn
Financial Preparation
How much to save, how to improve credit, and budget for all costs including CMHC insurance
Smart Negotiation
How to make competitive offers, include the right conditions, and protect yourself
Canadian Process
Specific to Canada: stress tests, land transfer tax, title insurance, and more
6 Steps to Homeownership
Financial Planning
Build Your Foundation
Get your finances in order before you start house hunting. Learn how to save for down payment, build your credit score, and prepare your budget.
Get Pre-Approved
Know Your Budget
Get pre-approved for a mortgage to know exactly how much you can afford. This makes you a serious buyer in the eyes of sellers.
House Hunting
Find Your Dream Home
Time to search for your perfect home! Work with a realtor and visit properties that fit your budget and lifestyle.
Make an Offer
Negotiate & Seal the Deal
Found your home? Make a competitive offer with the right conditions to protect yourself while staying attractive to sellers.
Finalize Financing
Lock in Your Mortgage
Your offer was accepted! Now finalize your mortgage details, hire a lawyer, and prepare all the paperwork for closing.
Closing Day
Get Your Keys!
The final step! Sign all documents, transfer funds, and receive the keys to your new home. Welcome to homeownership!
Why Follow This Guide?
✅ Canadian-Specific
Includes CMHC insurance, stress testing, land transfer tax, and other Canadian requirements
✅ Realistic Timelines
Each step includes expected duration so you can plan your home-buying timeline
✅ Actionable Tasks
Every step includes specific tasks with checkboxes - know exactly what to do next
✅ Real Examples
See concrete examples with actual dollar amounts for typical Canadian home purchases
Start Your Journey
Begin with Step 1 and work through each stage at your own pace
Calculate Your Mortgage
Use our calculators to see what you can afford right now