First Time Home Buyer Mortgages in Barrie, the GTA, Windsor and across Ontario
We unlock down‑payment programs, government incentives and stress‑free approvals so you can step onto the property ladder with confidence.
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Why First Time Buyers Choose Our Ontario Mortgage Team
From Barrie’s south‑end subdivisions to Windsor’s riverfront semis and all points in between, first time buyers face bidding wars, strict stress‑test rules and closing‑cost surprises.
Our experienced mortgage team helps demystify every step, secure competitive rates with as little as 5 percent down and show you how to stack programs like the FHSA, Home Buyers’ Plan and rebates so your very first set of keys feels completely affordable.
FAQs for Mortgages for First Time Home Buyers in Ontario
What minimum down payment do I need as a first time buyer in Ontario?
In Canada you generally need 5 percent of the first $500 000 and 10 percent of any amount above that. We show Barrie and Burlington clients how gifted funds or RRSP withdrawals can help hit that target.
Can I use the First Home Savings Account for my down payment?
Yes, the FHSA lets you save up to $8 000 a year tax‑free toward your down payment. Windsor residents often pair an FHSA withdrawal with the Home Buyers’ Plan for extra leverage.
Are there land transfer tax rebates for first time buyers?
Ontario refunds up to $4 000 of provincial land transfer tax, and the City of Toronto offers a matching rebate on its municipal tax. That saves GTA condo shoppers real money on closing day.
How does the mortgage stress test affect first time buyers?
The stress test requires you to qualify at the greater of 5.25 percent or your contract rate plus 2 percent. We crunch the numbers so you know your comfortable price range before touring homes.
Does your team work with the First‑Time Home Buyer Incentive?
Absolutely, the federal shared‑equity incentive can lower your payment by 5 to 10 percent. We help clients from Barrie to Windsor decide if the long‑term trade‑off fits their goals.
Please note: it's always best to get in touch with our team to make sure each specific question you might have we can answer to you directly to ensure 100 percent accurate information.
