A clear plan, a real budget, and the right lender from 30+ options — first-time buyer programs included. Pressure-free, step by step.
The most expensive first-home mistake is falling in love with a place you can’t cleanly afford. A proper pre-approval fixes that: you’ll know your true budget, your rate hold, and the programs you qualify for — the First Home Savings Account (FHSA), the RRSP Home Buyers’ Plan, and Ontario (and Toronto) land-transfer-tax rebates. I walk you through all of it in plain language, then shop 30+ lenders for the right fit.
Not a guess — a proper budget and rate hold so your offers are taken seriously.
FHSA, Home Buyers’ Plan, and land-transfer rebates, applied to your situation.
Minimums, gifted funds, and how much you really need — no jargon.
From pre-approval to keys, you’ll always know what’s next and why.
A no-pressure 15 minutes. I learn your goals, timeline, and numbers.
One application, the whole market — banks, monolines, and B lenders.
I present the best options and manage the paperwork to close.
“Highly recommend! Isha Grewal made the mortgage process simple and stress-free. Her expertise and clear communication were outstanding from start to finish.”
“I had an amazing experience working with Isha! From the very beginning, she was very knowledgeable, responsive, and truly had our best interests at heart. She took the time to explain all my options clearly and guided me through every step…”
“I had a great experience working with Isha Grewal. She is knowledgeable, patient, and always took the time to explain each step of the process clearly. I felt confident and well-informed throughout, and I truly appreciated their responsiveness and professionalism. Highly recommend!”
The minimum is 5% on the first $500,000 of the price and 10% on the portion above, up to $1.5M. Gifted down payments from family are widely accepted. I’ll confirm your exact number on a free call.
The First Home Savings Account lets first-time buyers save toward a down payment with tax advantages. For many buyers it’s one of the best tools available — I’ll explain how it fits with your timeline and the Home Buyers’ Plan.
That depends on income, debts, down payment, and the stress-test rate — not just the sticker price. I’ll calculate a realistic budget and pre-approve you so you can shop with certainty.
A full pre-approval involves a credit check, but the impact is minor and temporary. I’ll guide the timing so multiple checks don’t stack up against you.
One conversation with the whole market. Free, no obligation, no impact on your credit.
Book a free 15-min call