First-Time Homebuyer

Are you a first-time home buyer?

If Yes, Below are some options for you. Purchasing your first home is one of the biggest decisions of your life. Smart Solutions Capital specializes in helping first-time buyers navigate government programs, understand their options, and secure the best possible rate for their situation.

• High-Ratio Mortgage: Min 5% down payment for purchase price under $500,000
• Conventional Mortgage: Min 20% down for purchase price of $1M+
• Co-Equity Partnership: Min 5% down payment via First Home Buyer Incentive
• Access to CMHC, Sagen, and Canada Guaranty insured programs
• First Home Savings Account (FHSA) guidance
• Home Buyers' Plan (HBP) RRSP withdrawal support