First Time Home Buyer Mortgage Services in GTA

GTA Mortgage Agent

Are you a first-time home buyer, entering the fast-paced GTA real estate market?

Like getting your first job, the first-time home buyer faces several challenges when obtaining financing for that first home. Least of which is getting the best rate on your mortgage, which can have a huge impact on such a long-term investment.
Each mortgage situation is unique, it requires a mortgage specialist to ensure a smooth and seamless process. Let us help remove some of the stress and red tape that goes with such an important purchase.
We have access to funds that don’t come with the same lending hurdles as the big Canadian banks, so we can make funds available to people with limited or even damaged credit history.

First Time Home Buyer Mortage

We can also assist buyers in taking advantage of government programs to help make first time home ownership easier:

Home Buyer’s Plan (HBP) – borrow up to $35,000 from your RRSP towards a down-payment, tax free. Combine your purchasing power with someone who is also a first-time buyer, and each can access up to $70,000 from their RRSP, for a total of $50,000. The HBP is considered a loan and must be paid back within 15 years.

First Time Home Buyers Tax Credit – designed to help first time home buyers with closing costs, including legal expenses, land transfer taxes, and inspections. This works out to a rebate of $750 that must be claimed within the year of purchase and is non-refundable, although it must be a ‘qualified’ home.

Land Transfer Tax Rebate for First Time Home Buyers – available in Ontario, British Columbia, and Prince Edward Island, the rebate is dependent on the province, value of the home, and whether one or both are eligible as first time home buyers. In the city of Toronto, a rebate of up to $3,725 on the municipal land transfer tax is available providing certain criteria is met.

Mortgage Services include: New Home Purchase Mortgage | Mortgage Refinance | Mortgage Pre-Approval | Mortgage Renewal | Commercial Mortgage | Second Mortgage | First Time Home Buyer Mortgage | Debt Consolidation Mortgage | Mortgage Loans | Mortgage and Tax Arrears | No Down Payment Program | Bad Credit Mortgage Program | Reverse Mortgage | Private Mortgages | New to Canada Mortgage Program | Purchase Plus Improvement Mortgage

Other Services include: Real Estate Services

Providing First Time Home Buyer Mortgage to clients across Brampton, Caledon, Mississauga, Halton Hills, Milton, Etobicoke, North York, Scarborough, East York, Toronto, Orangeville, Oakville, Vaughan, Richmond Hill, Markham, Burlington, Newmarket, Aurora and the Greater Toronto Area.

Contact SJ Capital Mortgage Services - Mortgage Agent in GTA

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