Buy Your Home with Confidence
A pre-approval is table stakes. With 20+ years in equity and investment analysis, I structure the mortgage — not just the rate — and make sure every BC and federal buyer program you qualify for is working for you.
Get Your Purchase Pre-Approval
BC & Federal Programs You Can Stack
Most first-time buyers qualify for several of these, and used together they can be worth tens of thousands at closing and in monthly payments. Knowing which combination fits your purchase — and which ones you have to choose between — is exactly the kind of analysis I bring to a file. Since the December 2024 reforms, insured mortgages go up to $1.5M (5% down on the first $500K, 10% to $1.5M), and first-time and new-build buyers can amortize over 30 years.
Save up to $40,000 toward your first home completely tax-free — $8,000 per year, deductible like an RRSP.
Withdraw up to $60,000 from your RRSP tax-free toward your down payment, repaid over time.
A $1,500 non-refundable tax credit to help offset your closing costs.
First-time buyers and new-build purchasers can stretch to a 30-year amortization for lower monthly payments.
Full PTT exemption up to $835,000 (partial to $860,000) — worth up to about $8,000 saved at closing.
Full PTT exemption on an eligible newly built home up to $1,100,000 (partial to $1,150,000).
Buyers of eligible new homes may also qualify for the federal First-Time Home Buyers' GST rebate (up to $50,000 back). The two BC exemptions above can't be combined on the same purchase — you claim whichever saves more, and the federal programs stack on top of it. Program figures are current for 2026 and subject to change, and this isn't tax advice — let's confirm exactly what you qualify for.
Why Work With Me on Your Purchase
Buying a home is one of the biggest financial decisions you'll make. It deserves more than a rate quote.
Simple 4-Step Process
From application to keys in hand, I guide you through every step.
Get Pre-Approved
Quick application, 24-hour approval, and a plan for the programs you qualify for
Shop with Confidence
Know your real budget and make strong offers
Finalize Your Mortgage
Lock in your rate and complete the paperwork
Get Your Keys
Close on your new home and move in!
Calculate Your Monthly Payments
Estimate your monthly payment and see how price, down payment, and amortization affect it. Want the full picture including closing costs? Book a strategy call.
0.0% of home price
Principal & Interest
Total Interest
Total Payments
* This calculation is for principal and interest only. Additional costs like property taxes, insurance, and CMHC premiums (if applicable) are not included.
Ready to Buy Your Home?
Get pre-approved today and start shopping with confidence — with every program working for you.