First-Time Buyer Mortgages articles

First-Time Buyer Mortgages

Plain-language articles from Top Mortgages Inc on buying, renewing, refinancing and using your home equity, so you can make your next move with confidence.

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First-Time Buyer Mortgages

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First-Time Buyer Mortgages Feb 13, 20264 min read

First-Time Home Buyer Mortgages in Canada: Rules, Programs, and Mistakes to Avoid

Learn how first-time home buyer mortgages work in Canada, including rules, programs, and common mistakes to avoid in 2026.

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Does it cost anything to talk to a mortgage broker?

For most home mortgages the lender pays the broker, so there is usually no fee to you. If a fee ever applies to your file, we tell you upfront.

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Not to start. We only pull your credit with your permission, once you are ready to move ahead.

Can I get a mortgage if I am self-employed or have bruised credit?

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Usually a few days once we have your documents. Start the online application and we will tell you exactly what we need.

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