Homebuying Step by Step (CMHC)

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Look at housing options, expected costs and your personal financial situation.

How to calculate how much you’re spending now, what you can afford and your future expenses.

Mortgage basics, pre-approval, loan insurance and tips for meeting with your lender or broker.

Understand your housing options, choose your priorities and select your homebuying professionals.

How to write an offer and prepare to take possession of your new home.

Rebates and funding for renovations, home maintenance calendars and emergency planning.

A homebuying guide for first-time buyers and anyone house hunting again.

This workbook provides worksheets, calculators and checklists for each step in the homebuying process.

Need help calculating what your can afford?  This affordability calculator is a good place to start. Click the button below.

One of the closing costs that buyers need to be aware of is the Land Transfer Tax.  Land transfer tax (LTT), typically calculated as a percentage of the purchase price of a home, is required when purchasing a home in Canada. All provinces have a LTT, and the amount varies in each province.  To find out more and to calculate your individual amount, click the button below.

Let's face it, we all want to know what the end payment will be so we can see where our monthly budget falls.  We all have bills to pay besides our mortgage so this comprehensive calculator will take all the necessary montly expenses into account and let you know what your can afford.  Click the button below.