Stages of a first purchase
From planning to possession
- planning and budget
- an early discussion or pre-approval
- an offer with conditions
- final lender approval
- closing and possession
Buying your first home
Learn the main stages of a first purchase and prepare for the information a complete mortgage application may require.
Programs and incentives
Confirm current details from official sources
Federal and provincial programs for first-time buyers exist and change over time. Confirm current details from official government sources. For example, the federal First-time home buyers’ (FTHB) GST/HST rebate is described by the Canada Revenue Agency.
What the application asks for
- identification
- income and employment
- existing debts
- source of down payment
- housing history
Why work with a broker
Mortgage guidance built around your options
A mortgage broker can help you review available options from multiple lenders, understand lender requirements, and compare solutions based on your goals, income, credit profile, down payment, property type, and long-term plans.
No broker can guarantee approval, a specific rate, or that every borrower will qualify. The goal is to help you understand your options before you commit.
Read more about working with a brokerFirst-time home buyers’ (FTHB) GST/HST rebate (Canada Revenue Agency)
Consider:
- the difference between early planning, a pre-approval and final lender approval
- purchase costs and responsibilities beyond the mortgage itself
- how to provide detailed financial and identity information securely
Protect sensitive information
Use the right channel for each step.
Use the public contact routes only for a general objective and contact details. Do not email or submit financial documents, identity records, credit information, or detailed debts.
See how the process worksChoose your next step
Ask a general question or continue to the mortgage application.