First Home Mortgage
Expert mortgage guidance, exclusive first-time buyer programs, and flexible financing.
Powered by Canada’s #1 mortgage brokerage network. Guided by the #1 ranked team.
Buying your first home is exciting—but navigating mortgages can feel overwhelming. You don’t have to figure it out alone!
As an award winning team of licensed mortgage agents in Toronto, we specialize in helping first-time buyers unlock the best rates, maximize savings, and take advantage of exclusive programs designed just for you. With new 2025 mortgage rules, buying your first home is now more affordable than ever—and we’ll guide you every step of the way.
Let’s make homeownership happen! Our team will help you find the right mortgage, access rebates, and secure a deal that works for you. Get started today!
🔓 Unlock Elite Access
First-Time Homebuyer Mortgage in the GTA
💡 Did You Know?
Buying your first home could be more affordable than you think—if you know where to find the right savings and incentives.
As a first-time homebuyer, you may be eligible for exclusive rebates and new mortgage programs that can save you thousands on your purchase:
✔ Up to $8,475 in Land Transfer Tax Rebates (Ontario: $4,000 | Toronto: Additional $4,475)
✔ New 30-Year Amortization Option for Lower Payments (More flexibility for first-time buyers)
✔ Higher Insured Home Price Limit—Up to $1.5M (Buy with as little as 5% down on the first $500K!)
With nearly 50% of Canadian homebuyers now choosing a mortgage broker over a bank, expert guidance can help you unlock these savings and secure the best mortgage for your future.
🏡 Let’s turn your homeownership dream into reality. Contact me today to explore your best options and start with confidence!
Fun Facts About Mortgage Architects & Dominion Lending Centres
A Decade of Strength – Mortgage Architects (MA) was acquired 10 years ago by Dominion Lending Centres Group (TSX: DLCG), the largest mortgage brokerage network in Canada and the #1-ranked mortgage originator with all of the country’s top 10 lenders.
A Trusted Brand – As a prominent brokerage within DLCG, Mortgage Architects has built a reputation for expert guidance, exclusive lender access, and top-tier mortgage solutions.
A True Juggernaut – Founded in 2006, DLCG boasts 8,500+ mortgage professionals across 500+ locations nationwide, funding $62 billion in mortgages annually—a powerhouse in Canadian home financing.
Tech-Driven Excellence – DLCG’s fintech platform, Velocity, revolutionizes the mortgage process by streamlining approvals, making home financing faster, smarter, and easier for Canadians.
More Choices, Better Rates – Our exclusive relationships with major banks, credit unions, and alternative lenders give you access to the best mortgage options tailored to your needs.
A Company That Gives Back – DLCG and Mortgage Architects support local communities across Canada, promoting financial literacy and helping families achieve homeownership.
Our experience and exclusive status work for YOU!
Our Simple, Expert-Guided 4-Step Mortgage Application Process
1️⃣ Get Started: Free Consultation—Contact Us!
2️⃣ Personalized Mortgage Strategy
3️⃣ Pre-Approval & Online Application
4️⃣ Lender Review and Approval
Essential Documents for a Smooth Mortgage Process
Providing all the required documents upfront ensures a smooth and efficient mortgage process. Below is a list of items we may require, depending on your specific situation:
✅ Property Details
To ensure a seamless mortgage application, we may need the following property-related details:
• Agreement of Purchase and Sale
• MLS Listing (if applicable)
• Contact information for your lawyer (name, address, phone, and email)
✅ Personal Identification
• Two pieces of government-issued ID for all applicants
✅ Income and Employment Verification
• Recent pay stub(s)
• Letter of employment (on company letterhead, stating salary, position, and length of employment)
• T4(s) and Notice of Assessment(s) (NOAs) for the last two years (for self-employed applicants)
✅ Down Payment & Financial Information
• Proof of down payment (90-day history of savings/investments)
• Gift letter (if applicable) along with supporting bank statement
• Void cheque or pre-authorized payment form
• Copy of home insurance policy
Additional Requirements: Depending on the property and lender, an appraisal may be required.
What You Can Expect from Us:
At Mortgage Architects, we are committed to understanding your needs today while helping you achieve your long-term financial goals. Our team works diligently to match you with the right mortgage solution. With access to over 50 lending institutions—including major banks, credit unions, and exclusive alternative lenders available only through licensed mortgage agents—we secure the best financing options tailored to your unique situation.
Our Commitment to You:
• We simplify the mortgage process and provide clear guidance every step of the way.
• We advocate on your behalf to get the best possible mortgage terms.
• We stay connected even after your mortgage closes, providing ongoing advice as your financial needs evolve.
Frequently Asked Questions
1️⃣ How much do I need for a down payment as a first-time homebuyer?
✅ Answer: With new mortgage rules in 2025, eligible first-time buyers in high-cost areas like the GTA can now buy a home up to $1.5 million with just 5% down on the first $500K and 10% on the rest up to $1.5M. For homes over $1.5M, a 20% down payment is required.
2️⃣ How do the new 2025 mortgage rules make buying a home easier?
✅ Answer: Recent government reforms have made homeownership more accessible for first-time buyers:
✔ 30-Year Amortization → Lower monthly payments on insured mortgages (previously capped at 25 years).
✔ Higher Insured Home Price Limit → The threshold has increased from $1M to $1.5M, allowing more buyers to qualify for low down payment options.
3️⃣ What mortgage programs and rebates can help first-time buyers save money?
✅ Answer: First-time buyers can save thousands with:
✔ Up to $8,475 in Land Transfer Tax Rebates (Ontario: $4,000 | Toronto: Additional $4,475)
✔ First Home Savings Account (FHSA) → Tax-free savings up to $40,000 for your first home.
✔ RRSP Home Buyers’ Plan → Withdraw up to $60,000 tax-free from your RRSP for your down payment.
4️⃣ Do I need perfect credit to qualify for a first-time home mortgage?
✅ Answer: No! While a higher credit score (680+) improves your chances of securing the best rates, buyers with lower credit scores can still qualify for mortgage options. A mortgage broker can help you explore lenders with flexible approval criteria.
5️⃣ Should I go to my bank or use a mortgage broker?
✅ Answer: Nearly 50% of Canadian homebuyers now use a mortgage broker instead of relying solely on their bank. Why?
✔ Access to Multiple Lenders → Not just one bank’s rates—more options mean better deals.
✔ Better Approval Chances → If one lender says no, others may say yes.
✔ Expert Guidance → A broker works for you, not the banks, helping you navigate incentives, rates, and mortgage structures.
6️⃣ How much can I afford to borrow as a first-time buyer?
✅ Answer: Your mortgage approval depends on your income, debt levels, and credit score. A pre-approval will give you a clear budget and protect you from rising rates while you shop for a home.
7️⃣ How do I get started with my first home mortgage?
✅ Answer: The first step is a free mortgage consultation where we:
✔ Assess your budget and pre-approval amount
✔ Compare mortgage rates from Canada’s top lenders
✔ Explore first-time buyer incentives to maximize your savings
We are an award winning team in Toronto and our mortgage brokerage network funds more mortgages every day than any other financial institution in Canada. Let’s work on your choices together!
Matthew Dobson #M24003077
Mortgage Agent Level 1
Mortgage Architects #12728
c: 416-342-3952
e: md@mortgagearchitectsgta.ca
MA Mortgage Architects Inc.
5675 Whittle Road
Mississauga, ON L4Z 3P6