First-Time-Home-Buyer

First Time Home Buyer

Have you been wanting to buy a home for a long time now and are finally ready to do it? Buying your first home is a huge milestone in one’s life. You are likely going to have plenty of questions and uncertainties, so it is very important that you work with someone who you can trust and has experience.

Our team of mortgage professionals will help you understand the process of purchasing a home. We will also ensure that you are receiving advice based on your specific situation and are getting the best mortgage solution that fits your needs.

You could be looking at buying a home in Halifax or New Brunswick, but whether it’s a Halifax mortgage broker or one in Fredericton, you can be confident that you are getting the best service and guidance out there. Our staff is here to make sure your mortgage is one that works for you.

We understand that buying a home for the very first time can bring on a mix of emotions that ranges from excitement to nervousness. We have years of experience and knowledge behind our team who are here to make you feel comfortable throughout the process and help ensure you that you are being looked after in the best way that you can.

We invite you to explore our website and take advantage of the information we have made accessible for you in order for you to gain a better understanding of the process as a whole. There are many steps involved in the purchase of a home and the more educated you are as a buyer the better the outcome will be. Articles such as “Learn Before You Leap” and “Understanding Your Credit Report” are just some of the resources we have made available so you can feel as confident as possible throughout the journey.

What's Next?

Buying a home is one of the biggest investments of your life. When financing a purchase you need an advisor that you can trust. We can help you secure the house where you will build your future. First, contact us to be pre-approved, and to discuss traditional and alternative financing options.

10 Steps to Buying a Home

There are many different components of home buying that can help determine whether you are making a wise financial investment and buying a home that you will be happy in for years to come.Learn More

Closing Costs

Having a firm understanding of these potential costs is incredibly important, as you don’t bring cash to the table when you make your offer; you do so when it is time to take possession.Learn More

Learn Before You Leap

Owning your own home is an exciting proposition. But before you can know whether homeownership is right for you, it’s important to understand what’s involved.  Find out what is involved.Learn More

Canadian Guide to Mortgages

1. Rent or Buy? / The Canadian Guide to Mortgages
1. Rent or Buy? / The Canadian Guide to Mortgages

1. Rent or Buy? / The Canadian Guide to Mortgages

Buying a home is a big decision that requires a huge financial commitment. But is it right for you? Should you rent or buy? And can you afford it? Is buying a property the right choice for you?

2. What can you afford? / The Canadian Guide to Mortgages
2. What can you afford? / The Canadian Guide to Mortgages

2. What can you afford? / The Canadian Guide to Mortgages

Before you start looking for a home, you need to figure out what you can afford. This means closely examining your finances including income, expenses, investments, savings and debts. Watch this video and learn about GDS and TDS.

3. Home buying costs you should know about
3. Home buying costs you should know about

3. Home buying costs you should know about

Watch this video to find out the costs you should anticipate when buying for a home.

4. Getting Pre-Approved
4. Getting Pre-Approved

4. Getting Pre-Approved

Find our how a pre-approval will help you when you are searching for a home.

5. Which home is right for you?
5. Which home is right for you?

5. Which home is right for you?

Watch this video to learn about the essential questions you need to ask yourself when searching for your next home.

6. The Buying Process
6. The Buying Process

6. The Buying Process

Buying a home is complicated and involves a lot of paperwork. Make sure you have the right professionals on your side. Find out more about the buying process from start to finish in this video.

7. Understanding Key Mortgage Terminology
7. Understanding Key Mortgage Terminology

7. Understanding Key Mortgage Terminology

Understanding these mortgage terms will help you choose a mortgage product that meets your financial needs.

8. How much is my monthly mortgage payment?
8. How much is my monthly mortgage payment?

8. How much is my monthly mortgage payment?

This tutorial video will show you how to calculate your monthly mortgage payment.

9. Open or Closed. Fixed or Variable.
9. Open or Closed. Fixed or Variable.

9. Open or Closed. Fixed or Variable.

Learn differences between these common mortgage options.

10. Shopping for a mortgage: The basics
10. Shopping for a mortgage: The basics

10. Shopping for a mortgage: The basics

Many consumers may only be familiar with the big 5 banking institutions. But the truth is, there are many lenders in Canada that can give you a mortgage. There's also many different mortgage options you can choose from. Learn more about mortgage basics in this video.

11. Other types of mortgages
11. Other types of mortgages

11. Other types of mortgages

The most common mortgage is a residential purchase mortgage, but there are many other types that might suit you. Watch this video and find out more.

12A. Six questions you must ask when getting a mortgage
12A. Six questions you must ask when getting a mortgage

12A. Six questions you must ask when getting a mortgage

Arm yourself with these 6 questions and get mortgage free sooner.

12B. Six questions you must ask when getting a mortgage
12B. Six questions you must ask when getting a mortgage

12B. Six questions you must ask when getting a mortgage

Arm yourself with these 6 questions and get mortgage free sooner.

13. Managing your total cost of home ownership
13. Managing your total cost of home ownership

13. Managing your total cost of home ownership

14. Money saving strategy: Pre-payment privileges
14. Money saving strategy: Pre-payment privileges

14. Money saving strategy: Pre-payment privileges

Find out how you can cut years off your mortgage and save hundreds of thousands of dollars.

15. Money saving strategy: Rounding up
15. Money saving strategy: Rounding up

15. Money saving strategy: Rounding up

See just how much money you can save by just rounding up your monthly payments.

16. Money saving strategy: Amortization
16. Money saving strategy: Amortization

16. Money saving strategy: Amortization

In this video, we will show you how you can dramatically lower the total cost of home ownership by taking some simple steps.

17. Money saving strategy: Getting low interest rates
17. Money saving strategy: Getting low interest rates

17. Money saving strategy: Getting low interest rates

There's one sure fire way to ensure that you always get the lowest rates available in the market. Watch this must see video to learn more.