We translate stress-test rules into plain English, shop 40+ lenders in an afternoon, and stay on the phone until your offer is accepted.
Quick estimate
What could you qualify for?
You could target
$460,000
Monthly payment
$2,212
4.49% 5-yr fixed · 25y amort
How we help
We walk you through every moving piece — credit, down payment, stress test, closing costs — so nothing is a surprise at the notary.
Already in your starter home? We check whether breaking your current mortgage saves you more than the penalty — the answer surprises most people.
Your bank wants you to tick their offer and move on. We shop it against 40+ lenders and usually come back with a rate 0.30–0.50% lower.
The process
01
Tell us where you are: saving, shopping, or signing an offer this week. We meet you wherever you are.
02
We pull together income verification, credit overview, and the strongest lender fit — then show you what you qualify for at each bank.
03
We coordinate with your realtor, lawyer, and lender so your financing condition waives on time and the keys come off the table.
The roadmap tool
Tell us where you are — saving, shopping, or signing — and we’ll map the milestones from today to keys-in-hand. No credit pull, no commitment, totally personal.
Start my roadmapSample milestone preview
Aug 2026
Pre-approval issued
Nov 2026
Offer ready, conditions waived
Mar 2027
Closing day · keys-in-hand
Your brokers
Principal Broker · FSRA M08001234
12 years in first-time buyer markets. Former underwriter at a Big Five. Knows exactly which lender says yes to what.
Senior Agent · FSRA M09005678
Self-employed borrower specialist. Helps contractors and gig-income families turn T2125s into approvals.
Agent · FSRA M10009012
BC and Alberta licensed. Fluent in English and Mandarin. First call for new Canadians navigating Canadian credit systems.
Common questions
Yes — under $500K purchase price, 5% is the CMHC minimum. Between $500K–$1.5M, the first $500K needs 5% and the rest needs 10%. Over $1.5M, it's 20% minimum. We walk you through the math for your specific price range.
Don't panic. Below a 680 score you're usually looking at B-lenders or private lenders with slightly higher rates, but the path to approval exists. We rebuild your credit profile and set a 12–24 month plan to refinance back to a prime lender.
No fees to you on standard residential deals — we're paid a finder's fee by the lender on closing. On private or complex files where a lender doesn't pay, we disclose the fee upfront before any work.
48 hours is normal for a clean file. Same day is possible if you can get documents to us quickly. Rate-hold is 120 days from issuance.
Start here
No credit pull. No commitment. Just a quick conversation about your home goals and the realistic path to get there.
Design concept · SearchPod preview