First-Time Home Buyers in Ottawa

Your first home shouldn't feel like a test you didn't study for.

Most first-time buyers I meet in Ottawa have the same worry: "I don't even know what I don't know." That's normal. My job is to turn the mortgage part into a clear plan, so you can focus on finding the right home.

How I help

• Know your real number. Not just what a bank will approve, but what fits your life.
• Use every program you qualify for. That includes the FHSA, the RRSP Home Buyers' Plan, Ontario's land transfer tax rebate for first-time buyers, and 30-year amortization on insured mortgages for first-time buyers.
• Compare lenders for you. One application, many options.
• No surprises on closing day. We map out closing costs before you make an offer.

Questions I hear most

"Do I need 20% down?"
No. You can buy with as little as 5% down on the first $500,000.

"When should I talk to a mortgage agent?"
Before you start viewing homes. A pre-approval tells you your price range and can hold your rate while you shop.

"Does it cost me anything?"
In most cases, no. I'm paid by the lender.

Your next step

Book a free 20-minute call. We'll look at your numbers together, with no pressure and no commitment. I work with clients in English, Hebrew and Russian.