Buying a home can feel overwhelming — but the path is simpler than it seems.

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It really comes down to 5 clear steps 👇

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1️⃣ Manage your credit wisely

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Nothing slows down a mortgage approval faster than messy credit.

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To keep things smooth:

• keep balances low

• make every payment on time

• avoid taking on new debt

• always pay more than the minimum

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Minimum payments keep you in debt forever — strong credit habits open the door to homeownership.

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2️⃣ Assemble your down payment

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Your down payment can come from multiple sources, including:

• savings

• RRSP withdrawals (Home Buyers’ Plan)

• gifted funds from immediate family

• severance or insurance payouts

• eligible grants or programs (varies by province)

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You’ll also need proof the money has been in your account for up to 90 days, plus enough set aside for closing costs.

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3️⃣ Figure out how much you can afford

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Online calculators can only tell you so much — mortgage rules and lender policies change often.

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Talking to us helps you:

✔️ understand your maximum purchase price

✔️ get pre-approved

✔️ avoid surprises or bad assumptions

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Knowing your true numbers gives you confidence when you start house-hunting.

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4️⃣ Decide what you’re looking for

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Create two lists:

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Must-haves → things you absolutely need

Nice-to-haves → features that would be a bonus

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Consider lifestyle factors too:

• commute

• neighbourhood

• parks

• schools

• amenities

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When you know what you want, your search becomes easier and less overwhelming.

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5️⃣ Look with your head — buy with your heart

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Work with a great realtor and start viewing homes that match your needs and budget.

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It’s normal to fall in love with a home that “feels right.” Just make sure the numbers also make sense.

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The right home should satisfy both your logic and your lifestyle.

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💬 Final Thought

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The home-buying process can feel intimidating, but with the right plan and the right team behind you, it becomes manageable — and exciting.

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If you’re ready to take the next step, message The Frontline Mortgage Group and we’ll walk you through the entire process from start to finish. 💬