FIRST-TIME HOME BUYER
Welcome to the world of home buying!
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First Home? No problem!
I'll be with you ever step of the way
Buying your first home comes with a lot of moving parts, especially if you want to structure your mortgage strategically and save money. Will your bank proactively show you how to do that? Probably not.
That’s where my team and I come in.
As one of Canada’s leading mortgage advisors:
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Get access to some of the most competitive rates available - With a long tenured relationship with over 70+ (Big Banks, Credit Unions, Alternative Lenders, Private Lenders) have peace of mind knowing that you'll receive the best rates, benefits, and service any lender can offer.
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Industry leading advice that puts you first - I work for you, not the banks. Focused on finding the right solution for you - not steering you toward a single lender’s products.
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Tailored mortgage strategies - No two buyers are the same. We match the right rate and structure to your goals, income, and future plans.
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Streamlined, stress-free mortgage process - this might be your first home purchase, but it definitely isn't mine! I’ve guided countless buyers through it, ensuring they secure the right mortgage with confidence.
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I'll be with you every step of the way - From our first interaction as a first-time home buyer, all the way to your future retirement home! Your mortgage shouldn't be just a transaction. I'll be here to support you every anytime, anywhere.
Road Map to Home Ownership
1. Get Pre-Approved
A proper pre-approval confirms exactly what you can afford, protects you with a rate hold, and ensures there are no surprises when you’re ready to make an offer
✅ Review your income, credit, monthly debt, and savings
✅ Understand your maximum mortgage you can qualify for
✅ Clarify the home buying process, understand your first time benefits, and get ready to house hunt!
2. House Hunting
House hunting becomes easier once your budget and pre-approval are clearly defined. You and your realtor can focus on homes that fit your price range, lifestyle, and long-term goals. I’m here to provide quick payment estimates and guidance so you can make confident decisions.
✅ Review your income, credit, monthly debt, and savings
✅ Understand your maximum mortgage you can qualify for
✅ Clarify the home buying process, understand your first time benefits, and get ready to house hunt!
3. Get Mortgage Approved
Congratulations on your accepted offer! Now the mortgage application is submitted so the lender can fully review your income, documents, and the property before issuing firm approval. During this stage, we confirm final numbers and complete conditions—such as inspection and choosing a solicitor—so you can confidently remove subjects.
✅ Leave it to me to organize your mortgage application, and get you approved!
✅ Working with a broker is like working with 70+ lenders
✅ Mortgage approval generally takes 5-10 business days
✅ It's highly recommended to fulfill all conditions outlined by the bank before removing subjects.
✅ Congratulations on your mortgage approval. Time to sign and finalize your financing!
4. Subject Removal & Home Deposit
Mortgage financing is secured. Home inspection came clean. You've picked a solicitor. If everything looks good, now is the time you want to consider removing your 'subjects'. When you remove subjects, your offer becomes firm and legally binding—you’re committed to buying the property, even if issues come up later. (So always double check!) This is often the time your realtor will ask for a home deposit. (Often 3-5% of the purchase price - in the form of a bank draft)
✅ Use a home insurance broker to find you the best coverage and rates!
✅ Condos: often your strata will have insurance to cover your property. However, there is usually a very high deductible. Usually homeowners get home insurance to cover the deductible. (For example, $250,000 deductible for fire damage. You would then get insurance, to cover the $250,000 deductible)
5. Solicitor Meeting
When it’s time to sign with the solicitor, you’ll review and finalize all legal documents related to your home purchase—including the mortgage, title transfer, and closing costs. This appointment is typically scheduled 3–5 business days before closing, ensuring everything is accurate and ready for completion. During the meeting, your solicitor will walk you through each document, answer questions, and confirm the final numbers so you can proceed with confidence.
✅ Legal costs are estimated around $1,200 - $1,500
✅ Your solicitor will also request for the final down payment
✅ The appointment is typically 3-5 business days prior to closing
✅ Statement of Adjustments - save additional cash on the side for any final adjustments that are needed
✅ Congratulations on finalizing your home transaction!
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6. Congratulations on becoming a homeowner!
Interest Adjustment - This is the date your mortgage officially starts accruing interest. It usually falls after completion and before your first full mortgage payment. Think of it as a “partial interest” period to align your payment schedule.
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Completion Date - This is the legal closing day. Your lender sends the mortgage funds to the seller, your name is registered on the title, and the home officially becomes yours.
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Possession Date - This is when you receive the keys and can move in. It’s usually 1 day after completion, but can be the same day depending on the contract. Congratulations on becoming a homeowner!
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Ready to becoming a homeowner?
Head Office: 1200 W 73rd Ave #600, Vancouver, BC V6P 6G5
Office #2: 1665 Kingsway, Vancouver, BC, V5N 2S2
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