The Ultimate Guide To Buying Your First Home
A complete, plain-English Ontario playbook in 9 focused chapters — covering pre-approval, downpayment rules, government programs, rates, the mortgage process and every verification step in between.
Pre-Approval & Purchasing Power
Lock your rate, define your budget, and learn when a co-signer makes sense.
Read ChapterDownpayment Requirements
The 5/10/20% tier calculation and how mortgage default insurance works.
Read ChapterDownpayment Savings Strategies
Gift letters, RRSP Home Buyers' Plan and the tax-free FHSA — stacked together.
Read ChapterFixed vs Variable Rates
Pick the right rate structure and unlock the 30-year amortization where you qualify.
Read ChapterPayment Frequencies
Monthly, bi-weekly, weekly — and the accelerated schedules that pay off your mortgage years early.
Read ChapterCredit Score Optimization
The 30% utilization rule, payment history, inquiries and collections safeguards.
Read ChapterMortgage Process Timeline
Application → Review & Plan → Execution → Funding. What happens at each gate.
Read ChapterIncome Verification Checklist
Documents for salaried, hourly, self-employed and alternative income borrowers.
Read ChapterDownpayment Verification
Anti-money-laundering paper trails for 90-day balances, large deposits and overseas transfers.
Read ChapterReady to start your first home journey?
Get a free, no-obligation pre-approval with licensed mortgage agent Nandan Bajani.
Book Free Consultation