First-time home buyers’ guide

Buying your first home? You got this.

And we’re here to help — with the expert advice, guidance and support you need to open the door to your first home.


Rates as low as 4.74%* when you pre-qualify or apply for an insured mortgage in-person today. Terms & conditions apply.

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Stepping towards home ownership.

Buying your first home is a journey, and we’re here to help make it easy. Let’s break it down:

Decide if you want to buy vs. rent a home

While owning your own home can offer improved quality of life, security, and a good investment, it may not be right for everyone.

Read the article: Should you rent vs. buy a home?

Understand the costs

There’s more to home ownership than your mortgage. To understand what you can afford, consider all the costs you may need to factor into your budget.

Read the article: The affordability equation

Build your down payment

It’s never too soon to start saving for your down payment. We have short and long-term options to help you reach your goals.

Read the article: How to build your mortgage down payment

Learn about your mortgage options

Understanding which rate, term and amortization period to choose can seem overwhelming. We’ll walk you through the different options and help you choose a mortgage that’s right for you.

Read the article: Mortgages 101

Get ready to apply

You’re almost there! We’ll guide you through the mortgage application process and let you know everything you’ll need for your first appointment with a mortgage specialist.

Read the article: How to apply for a mortgage

Settle in to your new home

Congratulations on your new home! While you’re celebrating, have a look at our home owner checklist to make your move-in a breeze.

Read the article: Tips for a new home owner

Book an appointment Find a mortgage specialist

Government programs for first-time home buyers.

First-time home buyers’ program

The First-Time Home Buyers’ Program is a provincial program that reduces or eliminates the amount of property transfer tax you pay when you buy your first home.

Home buyers’ plan

The Home Buyers’ Plan (HBP) is a federal program that allows you to withdraw funds from your Registered Retirement Savings Plans (RRSPs) to buy or build your first home.

Take the next step.

Find a specialist near you

Interested in a new mortgage or refinancing? Browse our mortgage specialists to connect with someone in your area.

Browse our directory

Talk through your questions

For general mortgage inquiries or help with renewing your mortgage, book a time that works for you and we’ll give you a call back.

Book a phone appointment