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
“Sarah and Sally were absolutely wonderful when we were buying our new house! They made everything so clear so there were no surprise fees or anything we were unaware of. They got us an amazing rate and we’re very responsive to any questions…
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Abbey W.
“Sarah has been our mortgage broker for years. She is great to work with, knowledgeable and and very responsive (even when we were closing over the holidays). Thank you!”
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Agata F.
“Sarah helped us with our mortgage recently for our first home. She was amazingly patient and kept in constant contact with us throughout the process. I will defiantly be recommending her to anyone looking for a mortgage broker. We are…
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Amanda O
“Sarah was excellent to work with. She is great at explaining things in terms that you can understand and doesn’t over complicate things. She responded to all our questions and requests almost instantly. She found us a great rate and was…
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Andrew M.
“I’ve worked with Sarah a few times now. She is always happy and willing to help and answer my ridiculous questions. Most recently, she helped me secure a great house when I was going through a separation. She was very helpful and…
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Angela F.
“Sarah is an excellent mortgage broker. She is very knowledgeable of the industry, friendly and client service oriented. She helped us tremendously to find our last mortgage and we look forward to working with her again when it comes time to…
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Ashley B.
Ready When You Are
Talk to a broker about your next move
Download the Home Buyer's Guide to start discovering mortgage tips.