First-Time Home Buyer Guide
Your Path to Homeownership Starts Here.
Buying your first home in Vancouver, Surrey, or anywhere in BC is exciting, but it can also feel overwhelming. At RB Mortgages, we simplify the process, help you understand your options, and walk you through every step; from pre-approval to closing day.
Understanding First-Time Buyer Mortgages
Buying your first home is a major milestone, but understanding how mortgages work is the first key step. As a first-time homebuyer, you may qualify for exclusive incentives and lower down payment options through both government and lender programs.
Common First-Time Buyer Programs in Canada:
- First-Time Home Buyer Incentive (shared equity program)
- Home Buyers’ Plan (HBP), withdraw from RRSPs tax-free
- Land Transfer Tax Rebates (available in BC and Alberta)
- CMHC-insured low down payment options
Pro Tip:
A strong pre-approval not only shows sellers you are serious, but it also helps you lock in a rate before the market shifts.
Simple, Transparent, and Fast.
The Process
Step 1: Pre-Approval
We will help you determine how much you can afford and lock in your rate with top lenders.
Step 2: Home Search
Once you find your ideal property, we will help ensure your financing fits the purchase price and your comfort zone.
Step 3: Closing & Keys
Once approved, we coordinate with your lawyer and lender to finalize funding, then it’s time to celebrate your new home.
Access Fast, Flexible Funding Today!
Get personalized advice, fast approvals, and expert support today!
