First-Time Home Buyers
Buy Your First Home with Confidence
Monique walks first-time buyers through every step — from government incentive programs to your first set of keys.
Apply NowHow Monique Helps You
Buying your first home comes with a steep learning curve — down payments, stress tests, closing costs, and a mortgage market that can feel overwhelming. Monique cuts through the noise and builds a plan around what you can actually afford.
Canada offers several programs designed specifically for first-time buyers, and most people don’t take full advantage of them. Monique makes sure you know about the First Home Savings Account, the Home Buyers’ Plan for RRSP withdrawals, land transfer tax rebates, and any provincial incentives that apply to your situation.
Monique also pays close attention to the stress test — the qualifying rate that determines how much you can borrow. Understanding how this works (and how different lenders apply it) can be the difference between qualifying for the home you want and falling short.
From your very first conversation to the day you pick up your keys, Monique is your single point of contact for all things mortgage. No being passed between departments, no automated phone trees — just direct access to someone who knows your file.
What to Expect
- Affordability review — Monique helps you understand what you can comfortably afford, not just what you qualify for
- Incentive programs check — Make sure you’re taking advantage of every first-time buyer program available to you
- Pre-approval with rate hold — Lock in a rate while you search, so rising rates don’t shrink your budget
- Lender matching — Monique finds the lender whose guidelines and rates best fit a first-time buyer profile
- Closing day guidance — Know exactly what costs to expect and when, so there are no surprises
Frequently Asked Questions
Related Services
Take the First Step with Monique
Apply now and Monique will help you navigate every part of your first home purchase.
Apply Now