I am a buying a home
Know the full cost before you sign.
Affordability is not the maximum the lender will approve. This pathway shows you the real number.
Your priorities right now
- Down payment and FHSA
- True carrying cost
- Mortgage structure
- Protecting the mortgage
The pathway
- 01Build the real budgetTaxes, condo fees, maintenance, insurance, and rate renewal risk.
- 02Use the FHSAThe account built for exactly this purchase.
- 03Compare structuresFixed vs variable, amortization, and prepayment terms.
- 04Cover the debtWhat happens to the mortgage if one income stops.