Buying your first home is one of the most exciting — and overwhelming — decisions of your life. From understanding what you can afford, to navigating the stress test, to choosing between fixed and variable rates — this guide covers everything a first-time buyer in Ontario needs to know before making a move.
What is the mortgage stress test and how does it affect you?
How much down payment do you actually need in Ontario?
Fixed vs variable — which rate is right for you in 2025?
First-Time Home Buyer incentives you may be missing out on
How to get pre-approved and what documents you’ll need