Buying Your First Home
Ever wish buying your first place felt less scary?
This guide turns the chaos into a clear, step-by-step game plan. What you’ll learn:
- Smart savings moves for a down payment (FHSA + HBP, and how they work together).
- Credit score basics: what lenders look for and how to level up.
- Mortgage 101: minimum down payments (5% / 10% / 20%), high-ratio vs. conventional.
- Protecting the purchase: when mortgage insurance vs. term insurance makes sense.
- Parents helping kids: gifts, loans, co-signing, or joint ownership (pros/cons, risks).
Inside the guide:
- Home Ownership Plans: FHSA, HBP, RRSP, TFSA: how they combine for your first home.
- Credit Score Map: the factors that matter and the ranges (low / middle / prime).
- High-Ratio Mortgages: down payment tiers and what changes at 5%, 10%, 20%.
- Insurance for Homebuyers: quick comparison of mortgage vs term coverage.
- Helping Kids Buy: 4 ways parents can help, plus common pitfalls & tips for success.
Who’s it for?
- First-time buyers, newlyweds, and parents planning to help.
Get the free guide: “Welcome Home – Your First-Buy Blueprint.”
