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Purchasing your home

Find the home you love — we’ll handle the mortgage side and keep things simple.

Personalized service for purchasing your home

From pre-approval to closing day, we’ll help you build a smart plan, understand your options, and move quickly when it’s time to make an offer. Clear advice, fewer surprises, and a smooth path to possession.

Before you shop seriously, confirm what you can comfortably afford and get a pre-approval (or pre-qualification) to anchor your price range and strengthen your offer. This is also where you can start comparing product options—because the “best” mortgage is about terms + flexibility, not just rate.
Line up your down payment and make sure the source of funds is lender-friendly (savings, investments, sale proceeds, gifted funds, etc.). If applicable, Canada’s Home Buyers’ Plan can help first-time buyers use RRSP funds toward a purchase.
When you find “the one,” you’ll submit an offer that includes key terms like price, deposit, possession date, and (often) conditions such as financing and home inspection. Even with a pre-approval, you still need final mortgage approval during the conditional period once the property is identified.
Once the deal is firm, your lender typically finalizes approval (often requiring an appraisal) and you’ll arrange property insurance and work with a lawyer/notary to complete the paperwork. On closing you’ll bring your down payment + closing funds, and then it’s keys-in-hand.

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Buying Starts Here

Affordability Calculator

Avoid surprises, plan ahead! Whether you're purchasing, renewing, or refinancing - our calculators make mortgage budgeting quick and easy.

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