Looking for your first home?

Buying a home is an exciting time.

You're about to take a big step — so you'll definitely need some advice from a mortgage professional. I'll give you the facts your bank won't tell you about financing your next purchase. With access to multiple lenders, I'll help you find the best rates and best mortgage options to help you buy your dream home.

My best advice? Begin a conversation with a mortgage professional in your area.

Ontario 2026 · Tax Incentives & Rebates

Money the government will give you back.

First-time buyers in Ontario can stack multiple federal and provincial programs. Here's the short list — ask Ryan or Michael which ones apply to you.

• Ontario Land Transfer Tax Rebate: up to $4,000 back on provincial land transfer tax. If your purchase price is under about $368,000, you pay zero provincial LTT; above that, you get the full $4,000 refund.
• Toronto Municipal Land Transfer Tax Rebate: if you're buying in the City of Toronto, up to an additional $4,475 rebate on the municipal LTT — covers the full municipal tax on homes up to $400,000.
• First Home Savings Account (FHSA): save up to $40,000 lifetime ($8,000/year). Contributions are tax-deductible like an RRSP; withdrawals for a first home are tax-free like a TFSA.
• Home Buyers' Plan (HBP): withdraw up to $60,000 from your RRSP tax-free to buy your first home ($120,000 combined if both partners qualify). Repay it back into your RRSP over 15 years.
• Home Buyers' Amount: a $10,000 non-refundable federal tax credit — roughly $1,500 back at tax time.
• GST/HST New Housing Rebate: partial rebate of the federal (and Ontario) portion of HST on a newly built or substantially renovated home. Between April 2026 and March 2027, the enhanced first-time-buyer rebate can be worth up to $130,000 on a qualifying new build.
• Stack them: FHSA + HBP gives one person up to $100,000 of tax-advantaged down-payment money ($200,000 for a couple). Combined with LTT rebates, the Home Buyers' Amount, and the HST rebate on a new build, a first-time buyer in the GTA can access well over $200,000 in total savings on the right purchase.

Eligibility rules, repayment timelines, and qualifying property types all matter. Talk to Ryan and Michael before you write an offer — the worst time to find out you missed a rebate is at closing.

Need a pre-approval before you go househunting?

Find out how much you can afford before you go househunting — it'll keep you focused on shopping for homes within your price range.

If you qualify for a pre-approved mortgage, you'll be certain of the size of mortgage for which you qualify, and guaranteed a rate for a specific period of time. If you don't qualify for a pre-approved mortgage, I'll help you estimate a mortgage-qualifying amount.