Sample post: A first-home checklist before you start viewing
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Before you book your first showing, a little preparation makes the whole process calmer. Here is a short checklist.
1. Get pre-approved
A pre-approval gives you a realistic price range and usually comes with a rate hold. It is conditional: the lender still reviews the property once you have an accepted offer. See home purchase mortgages and pre-approval for how it works.
2. Gather your documents
- Government-issued photo ID
- Recent pay stubs and an employment letter, or two years of Notices of Assessment if you're self-employed
- 90 days of statements for your down payment
3. Know your programs
First-time buyers may be able to use the FHSA and the RRSP Home Buyers' Plan together. Rules change from time to time, so confirm what applies to you.
Tip: try the affordability calculator before you talk to a realtor.
I'm Theeban Pathmanathan, a licensed Mortgage Agent Level 2 committed to helping Canadians achieve their homeownership goals. With access to over 50 lenders, I work to find you the best rates and terms for your unique situation. My approach is simple: put your needs first, give transparent advice, and make the mortgage process as smooth as possible.
Mortgage Agent Level 2, Licence #M14000189. FIN Mortgage – Dominion Lending Centres, Brokerage Licence #12825. Independently owned and operated.
This page is general information only and is not financial, legal or tax advice. All mortgages are subject to lender approval and qualification (O.A.C.). Rates, terms, programs and government rules change from time to time, so please speak with me about your own situation. Calculator results are estimates only and do not constitute a mortgage approval or offer. Theeban Pathmanathan, Mortgage Agent Level 2 (licence M14000189), FIN Mortgage – Dominion Lending Centres, brokerage licence #12825, independently owned and operated. Licensed by the Financial Services Regulatory Authority of Ontario (FSRA).