Purchase mortgages

Structure a compliant, transparent purchase whether you are upsizing, downsizing, or relocating.

Clear advice before you write the offer

Pragmatic models affordability, insurer premiums, and cash to close so you know your real numbers before you commit.

We coordinate with your realtor and lawyer so the lender, insurer, and closing timelines stay aligned.

Scenario discovery, lender fit, and qualification ratios. We verify income and down payment sources, including gifted or overseas funds.

Risk notes like variable income or rental offsets are flagged early so you can negotiate with confidence.

Use these calculators to model the full purchase budget and payment plan.

How much down payment do I need?

Minimums are tiered by purchase price and insured mortgages require default insurance premiums.

Can I go firm on financing?

Only after lender conditions are satisfied. We provide a clear checklist before you remove subjects.

Do you help with first-time buyer incentives?

Yes. We map provincial rebates and federal programs into the cash-to-close plan.