First Time Home Buyer's Guide

Get Approved Faster!

Buying your first home in Halifax is exciting — but it can also feel overwhelming. I help first-time buyers across HRM understand their options, qualify with confidence, and get the best mortgage available for their situation.

Whether you’re buying in Halifax, Dartmouth, Bedford, Sackville, Clayton Park, or anywhere in Nova Scotia, you’ll get simple explanations, quick answers, and a clear path from pre-approval to closing.

⭐ Why First-Time Buyers in Halifax Choose Me

✔ Fast, reliable pre-approvals

Know what you qualify for before you start house-hunting.

✔ Access to multiple lenders

Instead of being limited to one bank, I compare lenders to find the best fit for you.

✔ Help with buying programs

I walk you through first-time buyer programs such as:

First-Time Home Buyer Incentive

RRSP Home Buyers’ Plan (HBP)

First Home Savings Account (FHSA)

Nova Scotia down payment assistance (if available) - $10,000 towards a downpayment

I'll also answer your calls at 9pm or 7am. My availability is more expansive than a normal bank.

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🔎 What You Need to Get Started

First-time buyers can start with just:

ID

Income documents (pay stubs, job letter, and tax documents)

Approximate down payment amount that is currently saved or being gifted

Your monthly budget

If you’re not sure what to prepare, I’ll tell you exactly what you need — no pressure, no commitment.

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🏡 The Process

1. Quick conversation

Tell me a bit about your goals, budget, and timeline.

2. Pre-approval

I compare lenders and give you a clear approval amount.

3. Find a home

You shop confidently knowing your price range.

4. Final approval & closing

I handle the lender paperwork and stay in touch until keys are in your hand.

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❓ First-Time Buyer FAQ

How much do I need for a down payment?

First-time buyers in Halifax typically need 5%–20%, depending on the purchase price. As a first time homebuyer you are able to qualify with 5% down and a 30 year amortization term.

Can I buy with less-than-perfect credit?

Yes — some lenders allow flexible credit for new buyers. I can review your file and show your options.

How long does a pre-approval take?

Usually same day or within 24 hours once documents are submitted.

Do you charge fees?

For residential mortgages, there are no broker fees — the lender pays us.

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📞 Ready to Start Your First Home Purchase?

Get a fast, no-pressure pre-approval and expert help from start to finish.