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First-Time Home Buyer
Embarking on the journey of homeownership is one of life’s most significant milestones. At Wisheskept, we specialize in turning that dream into a reality. We simplify the complexities of the real estate market, guiding you through down payment requirements, government incentives, and the total cost of ownership. Our mission is to ensure your first purchase is not just a home, but a secure financial foundation for your future.
Why Choose Wisheskept Mortgage
Borrowers
- When we issue an approval, we stand by it—ensuring you move into your home with total certainty.
- Our team prioritizes your schedule, delivering rapid assessments to keep you competitive in a fast-moving market.
- Experience a seamless, digital-first application process that saves you both valuable time and unnecessary costs.
- Gain entry to exclusive rates and promotions only available through our premium lender partnerships.
Our Elevated Service Standards
- We operate on a policy of total honesty—absolutely no hidden charges or last-minute surprises.
- While banks are restricted to their own products, we leverage a vast network of lenders to find your perfect match.
- We view your mortgage as a wealth-building tool, mapping out a custom path for your financial future.
- Whether it’s your first condo or a major commercial development, we have the specialized expertise you need.
- Our relationship doesn't end at the closing table; we provide ongoing reviews to ensure your mortgage evolves with your life.
Frequently Asked Questions
In Canada, the minimum is 5% for the first $500,000 of the purchase price and 10% for any amount above that.
Yes, you may be eligible for the Land Transfer Tax Refund and the RRSP Home Buyers' Plan, which allows you to withdraw up to $60,000 tax-free for your down payment.