Today on the podcast, I am walking you through the true starting point of your homeownership journey as a first time home buyer in Ontario, and why getting a mortgage pre-approval before house hunting is one of the most important steps you can take. I break down exactly what a pre-approval includes, how it impacts your affordability, and how it sets you up to confidently enter the Canadian real estate market.

In this episode, I cover:

• What a mortgage pre-approval is and how it determines your maximum purchase price and monthly payment
• The three key factors lenders assess: income, credit, and down payment for first time home buyers
• How a rate hold works and how it protects you from rising interest rates in Ontario
• The difference between a pre-approval and a pre-qualification and why that matters for your home buying strategy
• What documents you need, including T4s, NOAs, credit reports, and down payment verification
• How working with a mortgage agent versus a bank can impact your mortgage options and approval

If you are a first time home buyer in Ontario looking to understand your numbers, strengthen your application, and move toward homeownership with confidence, I hope this episode will give you the clarity and strategy you need.

Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast!

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