First-Time Home Buyer Mortgage in London
Buying your first home in London means navigating land transfer tax, down payment math, the stress test, and a competitive market — often all for the first time. We've helped hundreds of first-time London buyers stack every available incentive (FHSA, RRSP HBP, LTT rebates) to maximize their buying power.
- FHSA (up to $40K), HBP (up to $60K), and Land Transfer Tax rebates stack
- 30-year amortization available for insured first-time buyers on new builds
- Co-borrower and gifted down payment strategies to expand qualification
- Pre-approval with rate hold gives you negotiating power on offers
Get Pre-Qualified
Tell us what you're financing
Most first-time London buyers combine FHSA savings, RRSP withdrawals under the Home Buyers' Plan, and gifts from family to assemble a down payment. We structure the application to use every dollar effectively — including looking at co-borrower options when the math is close.
Common questions
Real answers for London homeowners considering first-time home buyer mortgage.
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From the Learning Centre
Mortgage Renewals in Ontario
Your renewal letter is not your best offer. Here's how to renew strategically in Ontario.
Mortgage Refinancing
When refinancing your mortgage makes financial sense — and when it doesn't.
Mortgage Debt Consolidation
Rolling high-interest credit card debt into a mortgage rate — when it works and when it backfires.
Get first-time home buyer mortgage in London
Free consultation, no obligation. Most files have a clear answer within 24 hours.