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New Canadian residents and first-time buyers can often enter the market with as little as 5% down payment.
A strong credit score can unlock lower interest rates. We provide guidance on improving your score for better deals.
We help you identify and apply for federal programs designed to make owning your first home more affordable.
Partnering with Mortivo means you have the latest market insights and a dedicated professional at every step.
A quick initial review to understand your financial goals and homeownership dreams.
We create a customized plan that highlights your income strength and aligns with the right mortgage products.
We leverage our network to find the most competitive mortgage rates in Canada for your specific profile.
We handle the paperwork and continue monitoring the market for future opportunities even after you move in.
Start with a quick call and document review to understand your goals and financial picture.
We craft a plan that highlights your income strength and aligns with the right mortgage products.
Get connected with the best fit — whether mainstream, alt-A, or private lenders.
We handle your file through funding and continue monitoring for future improvement opportunities.
A first-time buyer is generally defined as someone who has never owned a property before, either in Canada or abroad. You’ll likely qualify for special mortgage deals and government support.
Typically, you’ll need at least 5% of the property value as a deposit. A larger deposit (e.g., 20%) can help you secure better rates and avoid mortgage insurance.
Yes! There are various federal and provincial schemes, such as the First-Time Home Buyer Incentive (FTHBI), the First Home Savings Account (FHSA), and specific provincial land transfer tax rebates.
A broker like Mortivo Mortgages has access to exclusive deals and a wide range of lenders (not just one bank). We compare options, handle all the paperwork, and find the best mortgage for your unique situation, saving you both time and money.
Schedule a one-on-one consultation with a Mortivo Mortgage expert. Get personalized advice, explore your options, and start your mortgage journey with confidence—online, over the phone, or in person.
“Motivo” is a word of Italian and Spanish origin, meaning reason, cause, or motive
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