Your First Oakville Mortgage Starts Here
Tailored advice, flexible options and rate holds up to 120 days
Get Pre-Approved TodayNo-hassle, No-obligation. Your info is safe, and you’re in control.
We work with clients from all across Ontario including, Oakville, Burlington, Mississauga, Milton, Hamilton, Oshawa, Brampton and all points in between.
Our Ontario Mortgage Lending Advantage
Fast & Easy
Lending Approvals
Low Rates
Some of the lowest rates in Ontario
98%
would recommend us
No-Obligation
free, no-hassle conversation
Trusted by 1,100+ homeowners, just like you, from across Ontario
From Pre-Approval to Keys in Hand
Buying your first place in Oakville can feel daunting. One minute you are scrolling River Oaks listings on your phone, the next you are decoding CMHC insurance rules and wondering if a fixed or variable rate will keep more money in your pocket. Our Oakville-based team turns that maze into a clear, step-by-step path, starting with a five-minute discovery call and ending with a smooth move-in day.
We shop more than 30 Canadian lenders to secure a rate hold for up to 120 days, giving you time to tour condos near the GO station or detached homes in Bronte without worrying about market bumps. Need guidance on the federal First-Time Home Buyer Incentive or Ontario’s land-transfer-tax rebate? We break down each program in plain language, then stack them so you maximize every dollar of assistance.
Paperwork is streamlined, too. Upload your T4s, pay stubs and down-payment proof to our encrypted portal and track progress from offer to closing. We coordinate with your real-estate lawyer, the appraiser and even the moving truck if you need referrals. Most Oakville first-timers close within 30 to 45 days, often with fewer upfront costs than they expected.
Start My First Mortgage JourneyFAQs for Mortgages for First Time Home Buyers in Oakville, Ontario
How much down payment do we need for our first Oakville home?
Homes under $500,000 require 5 percent down, with 10 percent on the portion above that amount. We help you budget and source funds, including gifted deposits from family members.
Can we stack the land-transfer-tax rebate with the federal incentive?
Yes, first-time buyers in Ontario can claim up to $4,000 off provincial land transfer tax and still apply for the 5 or 10 percent shared-equity incentive. We handle the paperwork so both credits show up at closing.
How long will our mortgage pre-approval remain valid?
Rate holds typically last 120 days, giving you four full months to shop the market. If you need more time, we can refresh the approval with updated documents.
Does buying a condo near Oakville GO change the rules?
Lenders request a status certificate and may cap condo fees in their affordability test, but down-payment and insurance rules remain the same. We review the certificate to flag any red-line items.
What documents will we need for our first mortgage application?
Plan to provide government ID, recent pay stubs, a two-year employment history and 90-day bank statements for your down payment. We send a simple checklist so nothing gets missed.
Please note, it is always best to get in touch with us to make sure every specific question you have is answered directly for 100 percent accurate information.
Our Ontario Mortgage Service Areas
Oakville | Burlington | Mississauga | Milton | Hamilton, Oshawa, Brampton and all across Ontario!