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Your First Home Starts Here Buying your first home in Canada is one of the biggest financial decisions you will...
Takes 30 seconds. No credit check required.
Buying your first home in Canada is one of the biggest financial decisions you will ever make. At Mortgagefy, we specialize in helping first-time buyers navigate the mortgage process with confidence — whether you qualify with a major bank or need an alternative lending solution. We work with over 100 lenders to find the best rate and terms for your situation.
A first-time home buyer mortgage is a residential mortgage designed for Canadians purchasing their first property. You may qualify for government incentives including the Home Buyers’ Plan (HBP), which lets you withdraw up to $60,000 from your RRSP tax-free for a down payment, and the First Home Savings Account (FHSA) for tax-free savings toward your purchase. With as little as 5% down on properties under $500,000, homeownership may be closer than you think.
Canadian residents or permanent residents who have not owned a home in the past four years. Buyers with a minimum 5% down payment for insured mortgages. Self-employed buyers, newcomers, and those with non-traditional income may qualify through our alternative lending partners. Even if your credit is less than perfect, our network of B-lenders and private lenders can help make your homeownership dream a reality.
Down payments as low as 5% on properties up to $499,999. Access to the Home Buyers’ Plan and First Home Savings Account. Pre-approval in as little as 24 hours so you can shop with confidence. Guidance through every step from pre-approval to closing day. Access to 100+ lenders including banks, credit unions, B-lenders, and private lenders for the most competitive rates available.
Our team starts with a consultation to understand your financial situation, employment, credit, and homeownership goals. We then match you with the best lender and mortgage product from our network. We handle the application, negotiate on your behalf, and guide you through conditions, appraisal, and closing. Most first-time buyers receive a pre-approval within one business day.
Tell us about your situation. We review your needs, goals, and financial picture — quick and confidential.
We compare rates and terms from our network of banks, credit unions, B-lenders, and private lenders to find your best match.
Once you choose your best option, we handle the paperwork and guide you through to funding — fast and stress-free.
Fully licensed and regulated in Ontario. Your interests are legally protected.
Clear terms, honest guidance, and a dedicated agent working to get you the best deal.
Pre-approvals in 24 hours. Private lender funding in as little as 48 hours when time is critical.
We shop your application across banks, credit unions, B-lenders, and private lenders Canada-wide.
As a first-time buyer, the process felt overwhelming until I worked with Mortgagefy. They walked me through FHSA, the Home Buyers Plan, and got me pre-approved in a day.
I did not think I could afford to buy with only 5% down, but Mortgagefy showed me programs I did not know existed. I closed on my first condo last month.
Get a personalized rate quote in under 60 seconds. No hard credit check required.
Fully licensed, operating under 8Twelve Mortgage Corporation (Lic#13072).
Access to Canada's largest network of banks, credit unions, B-lenders, and private lenders.
Get a response within 2 business hours. Many approvals within 24-48 hours.
Expert guidance with zero pressure. We work for you, not the banks.
A licensed mortgage agent will personally review your situation and call you back within 2 hours. No pressure, just expert guidance.
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Mortgage services provided by 8Twelve Mortgage Corporation, licensed mortgage brokerage (Lic#13072).
Have questions about your mortgage options? Book a quick call with a licensed agent — no pressure, no obligation.
