Buying
Your
First
Home

Take advantage of all the rebates and benefits that are only available to First Time Buyers.

Is This Right for You?

If you’re a homeowner and have built equity in your property, this option could be a smart financial move.

What Can It Be Used For?

You can access part of your home’s equity to cover major expenses—like home renovations.

A Faster Process for First-Time Home Buyers

Buying your first home is exciting—but it can also feel overwhelming with all the paperwork, terms, and decisions to make. At Lend Centre, we make the journey easier by guiding you every step of the way and helping you get pre-approved quickly, so you can shop for your dream home with confidence.

Get me pre-approved

What Will My Down Payment and Rates Be?

Your exact down payment and mortgage rate depend on a few key factors, including:

  • Household income

  • Current credit usage

  • Debt-to-service ratio (your ability to repay the loan)

  • Type of interest rate (fixed or variable)

  • Mortgage term length (e.g., 3 or 5 years)

  • Amortization period (e.g., 25, 30, or even 45 years)

  • Savings available for your down payment

If you have funds set aside, now may be the perfect time to secure a mortgage before interest rates climb further. With the right strategy, you can lock in favorable terms and set yourself up for long-term financial stability.

How Lend Centre Can Help

For first-time home buyers in Canada, there are a variety of programs and incentives available to make ownership more affordable. At Lend Centre, we’re dedicated to helping you explore these options and choose what’s best for your situation.