Leading the way to home buying success.

Dreaming of buying a home?

Owning a home is an exciting milestone, and there's a lot to think about. This guide walks you through every step of your home buying journey, with helpful tips and handy worksheets. There's a lot to learn, especially when it comes to saving more. Is your bank going to help you with all that? Short answer: no. But we can.

1. 01

   How much can you afford?

   Income, debts and the stress test, and how they set your budget.

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2. 02

   Your income

   What lenders count, what they don't, and how long a history they want.

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3. 03

   Credit & debt

   Scores, ratios and the do's and don'ts before you apply.

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4. 04

   Your down payment

   Where it can come from, what lenders accept, and insurance premiums.

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5. 05

   Closing costs

   The extras to budget for on top of your down payment.

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6. 06

   Fixed or variable

   Security versus flexibility, with the pros and cons of each.

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7. 07

   About your mortgage

   Amortization, term, principal, registration and the fine print.

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8. 08

   Pre-qualification vs pre-approval

   Know what you can borrow before you go shopping.

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9. 09

   Finding the right help

   Realtor, home inspector and lawyer: what to look for.

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10. 10

    The offer process

    Subjects, conditions, approvals and what can get in the way.

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11. 11

    Closing time & keys

    From firm purchase to keys in hand, step by step.

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