Mortgages for First Time Home Buyers
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Mortgages for First Time Home Buyers in Windsor, Essex County and across Ontario Made Easy
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We help First Time Home Buyers in Windsor, Essex County and across Ontario get the mortgage solution they deserve.
Buying a home in the Windsor area is an exciting time for sure. You're about to take a very large and important step so you'll definitely need some advice from a mortgage professional such as myself. I will give you the facts your bank won't tell you about financing your next home purchase. With access to multiple lenders across Canada, I will help you find the best lending rates and the best mortgage options to help you buy your first home. My best advice? Contcat me for a free, no-hassle conversation.
Need a pre-approval before you go househunting in the Windsor or Essex County area?
Find out how much you can afford before you go househunting! This will keep you focused on shopping for homes within your price range. If you qualify for a preapproved 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 will be able to help you estimate a mortgage-qualifying amount.
First Time Home Buyer Items to Note
As a first-time homebuyer in the Windsor, Essex County or Ontario areas, you’ll want to be familiar with various programs that apply to your situation. Whether it’s a rebate you may qualify for or a tax-efficient way of funding your down payment, there are a number of government programs listed below that can help you potentially save some money when you buy your first home:
- The Home Buyers' Tax Credit currently works out to a rebate of $750 for all eligible first-time home buyers.
- The Canadian government's Home Buyers' Plan (HBP) allows first-time home buyers to borrow up to $35,000 from your RRSP for a down payment, tax-free.
- If you qualify, land transfer tax rebates are available to first-time home buyers in Ontario. There is also a land transfer tax rebate available for first-time homebuyers in the city of Toronto.
- If you buy your home before it’s built, or if you substantially renovate an existing home, you could qualify for a rebate for a portion of the sales tax. The GST/HST new housing rebate amount you can qualify for depends on the purchase price of the home, and can only be claimed if the net purchase price is $450,000 or less.
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