Free Guide
Everything you need to buy your first home
The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.
- How much you can actually afford
- Every cost beyond the purchase price
- A step-by-step timeline from offer to closing
What's Inside
A chapter for every step
Budgeting & affordability
What lenders actually look at, and how much home that really buys you.
Down payments & closing costs
Every cost beyond the purchase price, laid out line by line.
Getting pre-approved
What to have ready, and how a pre-approval actually strengthens an offer.
From offer to keys
A step-by-step timeline of what happens, and when, between an accepted offer and closing day.
A look inside
Why It Matters
Real answers, not just homework
This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.
- Plain-language explanations, no jargon left unexplained
- Local context — Ottawa land transfer tax, programs and lenders
- Built to be read once and kept for reference through closing
Client Stories
Home buyers like you
“As first-time home buyers, Tom was the perfect person to help us navigate the mortgage landscape. His knowledge, availability and professionalism were top notch. He not only helped us secure an amazing rate, he made sure we understood every…
C
Chels & Sten
“I am writing this letter as a reference for Tom Moore. My wife and I renewed our mortgage in the spring of 2013 and went to Tom for help in getting the best deal. We were pleasantly surprised to find out that Tom was indeed able to reduce…
G
Gerry & Camille
“Buying a home can be both exciting and stressful. Now on our second home, we have been with Tom since renewing our mortgage on our first home, and he has been instrumental in lessoning the stress involved with securing competitive…
J
JP & Sarah
“Spring of 2013 Tom who was very helpful and informative in helping us renew our mortgage, and finding us a great mortgage rate. It was so nice to let someone else do the work for us. Wish it was something we would have done long before now!…
S
Shaun & Christine
“Our file was not straight forward and Tom made sure we had all scenarios covered. It was such a relief to have a professional like Tom supporting us. I have given his name to friends and will continue to do so.”
T
Tanya & Ted
“As first-time home buyers, Tom was the perfect person to help us navigate the mortgage landscape. His knowledge, availability and professionalism were top notch. He not only helped us secure an amazing rate, he made sure we understood every…
C
Chels & Sten
“I am writing this letter as a reference for Tom Moore. My wife and I renewed our mortgage in the spring of 2013 and went to Tom for help in getting the best deal. We were pleasantly surprised to find out that Tom was indeed able to reduce…
G
Gerry & Camille
“Buying a home can be both exciting and stressful. Now on our second home, we have been with Tom since renewing our mortgage on our first home, and he has been instrumental in lessoning the stress involved with securing competitive…
J
JP & Sarah
“Spring of 2013 Tom who was very helpful and informative in helping us renew our mortgage, and finding us a great mortgage rate. It was so nice to let someone else do the work for us. Wish it was something we would have done long before now!…
S
Shaun & Christine
“Our file was not straight forward and Tom made sure we had all scenarios covered. It was such a relief to have a professional like Tom supporting us. I have given his name to friends and will continue to do so.”
T
Tanya & Ted
Ready When You Are
Talk to a broker about your next move
Download the Home Buyer's Guide to start discovering mortgage tips.