Keswick First‑Time Home Buyer Mortgages Made Simple
Local advice, transparent rates, and stress‑free approvals
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Why Keswick Trusts Our Team for First‑Time Home Buyer Mortgages
Hunting for that perfect starter near Lake Simcoe or along The Queensway shouldn’t feel like paddling against Cook’s Bay winds.
Our trusted Mortgage Team shops dozens of Canadian lenders, break down CMHC insurance in plain language, and tailor a payment plan that fits your Georgina lifestyle. From down‑payment hacks to closing‑day checklists, our local team is by your side every step of the way.
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FAQs for Mortgages for First Time Home Buyers in Keswick, Ontario
What’s the minimum down payment for a first‑time buyer in Keswick?
We follow the Canada‑wide rule—5 % on the first $500,000 and 10 % on any amount above that. So, a $600k bungalow near Simcoe Avenue needs about $35k down.
Can we tap our RRSP through the Home Buyers’ Plan?
Absolutely—each buyer can withdraw up to $60,000 tax‑free and repay it over 15 years. It’s a popular strategy with our clients commuting via Highway 404.
How do Keswick property taxes affect mortgage approval?
Lenders use Georgina’s tax rate to gauge your carrying costs. We build those numbers into your application so your monthly payment stays lake‑calm, not choppy.
How fast can we get pre‑approved with your team?
With full docs, most Keswick buyers receive a solid pre‑approval in 24–48 hours. E‑signatures mean no extra trips past the Georgina Ice Palace.
Are there incentives for energy‑efficient homes near Lake Simcoe?
Yes—CMHC offers a premium refund of up to 25 % for qualifying green homes. We’ll check if that new build off Woodbine Avenue qualifies and handle the paperwork.
