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The new First-Time Home Buy Incentive allows eligible first-time homebuyers, who have the minimum downpayment for an insured mortgage, to apply to finanace a portion of their home purchase through a form of shared equity mortgage with the Government of Canada.

  • Lower monthly mortgage payments
  • Interest-free incentive program
  • No pre-payment penalty
  • Newly constructed homes eligible for 5% or 10%
  • Exisiting homes eligible for 5%

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Mortgage Team Divider

There are some things you should ask yourself. As amazing as it is to be a first-time home buyer, it is important to remember that this is likely the largest financial decision you will ever make. Review the following before you make the leap!

Determining whether you are ready for home ownership

Costs of home ownership

The process of buying your first home

Securing your down payment

Mortgage pre-qualification and pre-approval

Financial Approval

Closing day

If you’ve decided to take the plunge, you now need to start by figuring out what you can afford. Fortunately, there are all kinds of calculators and tools available. A great place to start is our free My Mortgage Toolbox app which can help start crunching the numbers.

Reach out to info@valkofinancial.ca to receive a copy of our home buyers guide.


Mortgage Team Divider

Ready to get started?

Tracy and her team are here to help. Apply online or contact us today and allow us to help you along your journey in life. We will always provide sound financial advice on the best options for your mortgage.