{"id":2739,"date":"2022-10-05T14:02:52","date_gmt":"2022-10-05T18:02:52","guid":{"rendered":"https:\/\/invincible-neuron.flywheelsites.com\/?page_id=2739"},"modified":"2026-04-06T22:08:16","modified_gmt":"2026-04-07T02:08:16","slug":"first-time-buyer","status":"publish","type":"page","link":"https:\/\/skipthebank.ca\/mortgages\/first-time-buyer\/","title":{"rendered":"First-Time Buyer"},"content":{"rendered":"<section class=\"service-hero home1-hero\">\n<div class=\"herobg\">\n        <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/10\/Group-27.png\" alt=\"pink dots grid\" class=\"pinkdots\" \/>\n    <\/div>\n<div class=\"website-grid\">\n<div class=\"title-box\">\n<h1><span class=\"orange-txt\">First Time<\/span> Home Buyer Mortgages<\/h1>\n<p>Here at The Mortgage Centre, we recognize that purchasing your first home is a major life achievement. Investing in any real estate is an exciting time, but it can be full of confusion and uncertainty. We designed our First Time Buyer Mortgage program to help simplify the process. Let us help you achieve your dream of home ownership!<\/p>\n<p>            <a href=\"\/contact-us\/\"><button class=\"btn-orange\">Contact Us<\/button><\/a>\n        <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-context self-context\">\n<div class=\"website-grid centerTheIcons\">\n<div class=\"iconsContainer\">\n<div class=\"icons-box\">\n            <i class=\"fa-duotone fa-comment-medical\"><\/i><\/p>\n<p>Unbaised Mortgage Advice<\/p>\n<\/p><\/div>\n<div class=\"icons-box\">\n            <i class=\"fa-duotone fa-money-check-dollar\"><\/i><\/p>\n<p>Get The Best Rate<\/p>\n<\/p><\/div>\n<\/div>\n<div class=\"context-box\">\n<p class=\"pretitle\">First Time Home Buyer<\/p>\n<h2>What is the First Time Buyer Mortgage?<\/h2>\n<p>The First Time Buyer Mortgage is an exclusive mortgage program for individuals, spouses or common law partners purchasing their first home. We get to know you personally to understand your needs and financial situation best. Our program offers different customizable mortgages to guarantee the perfect plan for you.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-help self-help\">\n<div class=\"website-grid reverseFlexRow\">\n<div class=\"col-12 help-box\">\n<p class=\"pretitle\">Getting Approved<\/p>\n<h2>We Can Help You!<\/h2>\n<p>As a first-time homebuyer, navigating mortgage rates can be confusing. The lowest mortgage rates often come with strict terms, early payout penalties, and limited flexibility. Our expert mortgage brokers help you compare options, understand the fine print, and find the best first-time homebuyer mortgage for your needs.<\/p>\n<p>We work with co-signers, offer flexible appointments, and provide a secure, easy-to-use online mortgage application. No need to visit a branch or drop off documents. Skip The Bank offers personalized service, ensuring you qualify for the right mortgage options while feeling confident in your home-buying journey.<\/p>\n<\/p><\/div>\n<div class=\"col-12 helpform-box\">\n<h3>Get a Free Consultation<\/h3>\n<script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq24.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">02<\/p>\n<h2>What are the different types of mortgages available to first-time home buyers?\u00a0<\/h2>\n<p class=\"faqCardMain\">All types are available to a first-time home buyer:<\/p>\n<ul class=\"faqCardMain\">\n<li>Fixed<\/li>\n<li>Variable<\/li>\n<li>Different terms<\/li>\n<\/ul>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faqCash.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<div class=\"faqCard faqFlexCol\">\n<p class=\"faqCardNumber\">03<\/p>\n<h2>What is mortgage default insurance?<\/h2>\n<p class=\"faqCardMain\">\n         In the 1970s, it wasn&#8217;t possible to buy a home in Canada with a down payment of less than 20%. Later, the Bank Act was amended, and mortgage default insurance was created to allow borrowers to buy a house with a down payment of less than 20%. The main benefit of mortgage default insurance is a lower interest rate.\n        <\/p>\n<div class=\"faqCardImageandLink\">\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/05\/faq2and26.png\" alt=\"\" class=\"faqCardImage\" \/><br \/>\n          <a href=\"https:\/\/go.oncehub.com\/SkiptheBank?dt=&#038;bt=1&#038;Lightbox=1&#038;openedThroughBtn=1&#038;Si=1&#038;soskip=0\" target=\"_blank\" class=\"faqCardLink\" rel=\"noopener\">Book Consultation<\/a>\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-advantages self-advantages\">\n<div class=\"website-grid\">\n<h2>Advantages of First Time Home Buyer Property Mortgage<br \/>\n        <\/h2>\n<div class=\"advantages-container\">\n<div class=\"advantages-col\">\n<h3>Affordable Mortgage Options<\/h3>\n<hr>\n<\/hr>\n<p>For first-time buyers, our program provides reasonable financing options. We can help make homeownership a reality.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Competitive Rates<\/h3>\n<hr>\n<\/hr>\n<p>We understand that purchasing your first home can be overwhelming, but rest assured that we offer highly competitive interest rates on your mortgage, helping you save money over the duration of your loan.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Flexible Options<\/h3>\n<hr>\n<\/hr>\n<p>Our First Time Buyer Mortgage program provides diverse options that are designed to cater to your distinctive financial situation.<\/p>\n<\/p><\/div>\n<div class=\"advantages-col\">\n<h3>Customized Solutions<\/h3>\n<hr>\n<\/hr>\n<p>Our goal is to collaborate with you and devise a comprehensive plan that caters to your unique requirements while enabling you to achieve your financial objectives.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-reasons self-reasons\">\n<div class=\"website-grid\">\n<div class=\"col-12 reasons-box\">\n<h2>Reasons to Choose Skip the Bank&#8217;s First Time Buyer Mortgage<\/h2>\n<ol>\n<li>Competitive Rates: By taking advantage of our competitive interest rates, you can save money.<\/li>\n<li>Dedicated Support: From application to funding, our team of professionals is available to help you every step of the way.<\/li>\n<li>No Hidden Fees: We are transparent about our fees, and we don\u2019t charge any hidden fees or prepayment penalties.<\/li>\n<\/ol>\n<p>At Skip the Bank, we are committed to helping you achieve your dream of homeownership. Our affordable mortgage options, competitive rates, and dedicated support make it easy for you to take the first step towards owning your own home. Apply now and start building equity in your own property with our First Time Buyer Mortgage program!<\/p>\n<\/p><\/div>\n<div class=\"col-12 selfimage-box\">\n            <img decoding=\"async\" src=\"http:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/09\/thumbnail.jpg\"\n                alt=\"kids looking a skip the bank promotion\" class=\"full-img\" \/>\n        <\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-success self-success\">\n<div class=\"website-grid\">\n<p class=\"pretitle\">First Time Home Buyer<\/p>\n<h2>Real Mortgage Success<\/h2>\n<div class=\"flex-row story1\">\n<div class=\"success-img billray-img col-12\">\n                <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/10\/billrayfirsthome.png\" alt=\"headshot photo of Bill and Ray\" \/>\n            <\/div>\n<div class=\"success-box col-12\">\n<p>Bill and Ray always wanted to buy a home. They dreamed of a detached house with a yard for their dogs. Unfortunately, because of their budget, they were having a difficult time breaking into the housing market . Even with Ray\u2019s recent change in employment and increased income, they were still declined by their bank.<\/p>\n<p>This is where The Mortgage Centre&#8217;s Skip The Bank stepped in to help Bill and Ray. We worked out a comprehensive plan so they could have their dream detached home. The first step was to purchase a condo and in three years, they could build enough equity to buy their dream home. Before, they were at a loss on what they needed to do to achieve home ownership. No one had ever talked to them about a plan, except for The Mortgage Centre. The best part of the process was that the condo allowed for pets and they were able to take their dogs with them. They also maintained their budget and continued to save while building equity in their home.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section class=\"service-resources self-resources\">\n<div class=\"website-grid\">\n<h2>First Time Home Buyer Mortgage Resources<\/h2>\n<div class=\"blog-entries\"><a href=\"https:\/\/skipthebank.ca\/mortgage-rates-uncertainty-brings-opportunity\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/11\/Untitled-design.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>August 16, 2022<\/p><p class=\"title\">Mortgage Rates Fluctuating But Don\u2019t Panic &#8211; Uncertainty Brings Opportunity<\/p><p class=\"excerpt\">I was listening to a New York Times podcast on how inflation can be a self-perpetuating prophecy....<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/reasons-why-working-with-the-right-mortgage-broker-is-important-the-mortgage-center\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2022\/11\/resizedstbstb-6.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>June 15, 2022<\/p><p class=\"title\">Reasons Why Working with the Right Mortgage Broker is Important<\/p><p class=\"excerpt\">Who\u2019s taking care of your biggest asset\u2019s value \u2013 your home?\u00a0 With grumblings in the Toronto and...<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/discover-these-key-opportunities-for-2022\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2020\/01\/Opportunity-1-1200x678-1.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>January 5, 2022<\/p><p class=\"title\">Discover These Key Financial Opportunities for 2022!<\/p><p class=\"excerpt\">Although we are still in the middle of a pandemic, there are signs that real estate will...<\/p><\/div><\/a><a href=\"https:\/\/skipthebank.ca\/good-real-estate-resolutions-for-2022\/\"><div class=\"blog-card\"><div class=\"blog-card-image\" style=\"background-image:url(https:\/\/skipthebank.ca\/wp-content\/uploads\/2021\/12\/Good-real-estate-resolutions-for-2022-e1644339273308.jpg)\"><\/div><p class=\"date\"><i class=\"fa-light fa-calendar\"><\/i>December 9, 2021<\/p><p class=\"title\">Good Real Estate Resolutions for 2022<\/p><p class=\"excerpt\">A new calendar year is always a good time to recalibrate.\u00a0 When it comes to real estate...<\/p><\/div><\/a><\/div>\n<p>        <a href=\"\/blog\/\"><button class=\"btn-orange\">See All Posts<\/button><\/a><\/p><\/div>\n<\/section>\n<section class=\"ready-to-talk service-cta\">\n<div class=\"website-grid-small\">\n<p class=\"f48\">Ready to Talk?<\/p>\n<p class=\"f40\">We\u2019ll help you get the mortgage<br \/> that\u2019s perfect <b>for you.<\/b><\/p>\n<p>        <img decoding=\"async\" class=\"rtt-logo\" src=\"\/wp-content\/uploads\/2022\/10\/favicon_260x260-200x200-2-1.png\" alt=\"\"><br \/>\n        <img decoding=\"async\" class=\"rtt-family\" src=\"\/wp-content\/uploads\/2022\/10\/nathan-dumlao-Wr3comVZJxU-unsplash-1.png\" alt=\"\"><\/p><\/div>\n<div class=\"website-grid-small flex\">\n        <a href=\"http:\/\/skipthebank.ca\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><button class=\"btn-black\">Book<br \/>\n                Consultation<\/button><\/a>\n    <\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>First Time Home Buyer Mortgages Here at The Mortgage Centre, we recognize that purchasing your first home&#8230;<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":2718,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"0","_seopress_titles_title":"First Time Home Buyer Mortgages Made Simple | Skip the Bank","_seopress_titles_desc":"At Skip the Bank, we work with first time home buyers to make the mortgage process easy, providing a personalized experience.","_seopress_robots_index":"","footnotes":""},"class_list":["post-2739","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2739","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/comments?post=2739"}],"version-history":[{"count":0,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2739\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/pages\/2718"}],"wp:attachment":[{"href":"https:\/\/skipthebank.ca\/wp-json\/wp\/v2\/media?parent=2739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}