Buying your first home can be overwhelming. Most first-time buyers have never been exposed to the real estate market, and face unfamiliar terminology, financing options, and legal procedures. There can be many unexpected costs associated with buying property. Potential homebuyers need to be prepared to pay much more than just the down payment and mortgage payments. It is a good idea to consult a mortgage specialist who will assess your current financial situation. A specialist will work with you to create a mortgage solution based on your credit history, income, debts, assets, job potential and other factors.
MortgageClub.ca is your one-stop shop for buying your first a home. - Excited? Overwhelmed? Both? We figured. That's why MortgageClub.ca makes buying a home easier than anywhere else - by doing the legwork for you.
- You'll find everything you need right here, from a trusted mortgage agent in your area to a mortgage program that fits your needs.
- And we'll hold your hand every step of the way.
Become a Power Buyer Before You Shop and Get More Bargaining Power (It's Free!) - When you get pre-approved through MortgageClub.ca, you're automatically a Power Buyer - which means you have an advantage when putting an offer to buy a property.
- What do you get? You'll get pre-approved for homes in a certain price range, which will narrow your search and help you find the right home quickly - and,
your pre-approval is totally free. - You can also close quicker than other buyers because you already have a head-start on getting approved. For motivated sellers, this can give you just the bargaining power you need.
Get a Home Loan with Little or No Money Down - MortgageClub.ca exclusive mortgage programs allow you to buy a home with 0 Down! In many cases, that down payment can be a gift from a relative, borrowed from your line of credit or cash back from the bank.
- Add in up to 5% cash back and you could come to the closing table with no money out of pocket! Ask us how!
Get a lower rate - and payment ! - MortgageClub.ca offers an exclusive feature to buyers using our club membership points that will give you an additional 0.25% off your mortgage rate!
Right Now First-time Home Buyers Could Get up to a $2000 tax credit! - (This program is available in Ontario. Please check your provincial website for available programs). Since February 1, 2008, homebuyers in Toronto have faced a new municipal Land Transfer Tax (LTT) on real estate purchases. This is in addition to the provincial LTT. However, first-time homebuyers of both new and resale homes may be eligible for a refund of both taxes. The maximum Provincial LTT rebate for first-time buyers is $2,000 and the maximum Toronto LTT rebate is $3,725.
- "First-Time Home Buyers" include any buyers who haven't owned a home in the last 5 years.
- Talk to a Mortgage Expert today to see how you can save money!
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