Primary Residence Mortgages in Canada
Whether you're buying your first home or upgrading to your forever home, we connect you with Canada's best lenders for competitive rates and flexible terms. Access 50+ lenders, get pre-approved in 24 hours, and close with confidence. Our team navigates the CMHC insurance process, the federal stress test, and provincial incentive programs so you can focus on finding the right property. From 5% down payment options to 30-year amortizations on conventional mortgages, we structure every deal to fit your budget and long-term goals.
Strategy Call
Discuss your goals and financing needs
Get Pre-Approved
We match you with the right lender
Close Your Deal
Fast closings with expert support
Your Home Purchase, Our Expertise
Buying a home in Canada means navigating stress tests, insurance requirements, and dozens of lender options. We simplify the process and fight for the best rate on your behalf.
First-Time Buyer Programs
Access the First-Time Home Buyer Incentive, Home Buyers' Plan for RRSP withdrawal up to $35,000, and the FHSA for an additional $40,000 in tax-free savings.
CMHC Insured Options
Purchase with as little as 5% down using CMHC, Sagen, or Canada Guaranty mortgage insurance. We compare premiums across all three insurers.
50+ Lender Network
We don't work for one bank — we work for you. Our network includes the Big Six banks, credit unions, monoline lenders, and alternative lenders.
Competitive Rate Shopping
We negotiate rates across our entire lender network to ensure you get the most competitive rate and terms available, including features like prepayment privileges.
Pre-Approval in 24-48 Hours
Get a firm pre-approval quickly so you can shop with confidence. We lock in your rate for up to 120 days while you find the perfect home.
End-to-End Support
From pre-approval through closing day, we handle all lender paperwork, coordinate directly with your real estate lawyer and realtor, and manage timelines.
Ready to get pre-approved?
Let's find the best mortgage for your new home.
Primary Residence Mortgage Requirements
Qualifying for a Canadian primary residence mortgage involves meeting lender criteria for income, credit, and down payment. Here is what you need and how we help you through every step.
Requirements
- Minimum 5% down payment for homes under $500,000, with 10% required on the portion between $500,000 and $1,499,999
- Minimum credit score of 600 for A-lender approval, though alternative lenders can work with scores as low as 500
- Proof of stable income through T4 slips, Notice of Assessment, or employment letter confirming salary and tenure
- Gross Debt Service (GDS) ratio at or below 39% and Total Debt Service (TDS) ratio at or below 44%
- Must pass the federal mortgage stress test at the higher of your contract rate plus 2% or the Bank of Canada qualifying rate
- Valid government-issued identification and proof of Canadian residency or permanent resident status
- Property must meet lender and insurer standards — including a satisfactory appraisal and clear title search
How We Help
- We compare rates and mortgage insurance programs to minimize your total cost
- Our pre-approval process takes just 24-48 hours, giving you a clear budget before you start house hunting
- We help you access all available first-time buyer incentives including the HBP, FHSA, and provincial rebates
- If your credit score needs work, we provide a step-by-step improvement plan to qualify you for better rates
- We negotiate prepayment privileges, portability, and penalty structures so your mortgage works for you long-term
- Our team coordinates with your lawyer, realtor, and appraiser to ensure a seamless closing process
- Rate holds of up to 120 days protect you from increases while you search — and we renegotiate if rates drop
Questions About Primary Residence Mortgages
Down Payment & Qualification
Rates & Terms
Process & Pre-Approval
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