Buying Your First Home

Take advantage of all the rebates and benefits that are only available to First Time Buyers.

Is this for me?

Yes, if you are a first-time home buyer and are self-employed, retired from the public sector, work full time or are new to Canada.

What is it for?

Purchasing a first home


A faster process for First Time Home Buyers

Buying a new home can feel stressful, especially with the paperwork and options to consider. An experienced and trusted mortgage broker can make this a smooth process and help you get pre-approved.


What will be my downpayment and rates?

It depends on a few things:

  • your household income
  • how much of your credit you're using today
  • your ability to repay the loan (debt-to-service ratio)
  • the interest rate you qualify for and if it's fixed or variable
  • the mortgage term length (ex: 3 or 5 years)
  • the ammortization period (ex: 25, 30 or 45 years)
  • what savings you might be able to use towards the downpayment

If you have money to invest, now is a great time to lock in rates before they continue to rise. When you’re ready, we’re here to secure the best possible first time home buyer mortgage for you.

How 8Twelve can help

Looking for a first time home buyer incentive in Canada? There are plenty of options, and we’re passionate about helping our clients. For first time home buyers in Canada, Ontario and across the country, who we know need all the information and guidance possible, our team takes special care to ensure that you are well-informed and supported throughout the mortgage process. From understanding your financial situation right through to getting top rates from our pool of lenders, 8Twelve works meticulously and efficiently to get you the financing you need with the lowest possible monthly payments.


Think you’re ready to buy your first home?

Have more questions? Contact us directly to speak with one of our experienced mortgage agents. We’re always here to help and we consider it our job to make sure you’re well supported throughout the entire mortgage process. After all, we want you to look back on this exciting time in your life fondly!