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Q: I’m buying my first home. What should I do before I start looking?
Before you start looking, get pre-approved so you know what you can comfortably afford. Review your down payment, closing costs, monthly payment, and other homeownership expenses. It’s also a good time to review your credit and gather your income and financial documents. Most importantly, understand your budget, not just the maximum a lender will approve. Being prepared financially allows you to shop confidently and act quickly when you find the right home.
Answered October 2026
Q: Why use a mortgage broker instead of going straight to my bank?
A mortgage broker gives you access to multiple lenders and mortgage options, rather than just one bank’s products. We can compare rates, terms, and lending solutions based on your specific situation and goals. A broker can also help navigate more complex situations, such as self-employment or unique income. Most importantly, we guide you through the process, explain your options in plain language, and help you make an informed decision.
Answered October 2026
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✓ Answers reviewed by VerifiedAdvisors.ca. General information only, not personal financial advice. Speak with a licensed broker about your situation.
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