Hassan Nouman
For first-time buyers

Buying your first home is a big deal.
I'll walk you through every step.

Programs, calculators, real numbers, and a no-pressure local realtor in your corner. Built specifically for first-time buyers across the GTA, Hamilton, Niagara, and Waterloo Region.

Book a Free First-Time Buyer Consultation →What can I afford?
The 6-step path

From pre-approval to keys in hand

Here's exactly what working with me looks like.

1

Get pre-approved

We connect you with a great mortgage broker (or use yours) so you know your real budget before you shop.

2

Map out your goals

We talk neighborhoods, must-haves, nice-to-haves, and timeline. No pressure, no scripts.

3

Shop smart

I send you curated listings - not a firehose - and we tour the ones that actually fit.

4

Make a winning offer

I write offers that protect you with conditions and pricing strategies that actually work in this market.

5

Inspections & paperwork

I quarterback the inspectors, lawyers, and lender so you don't miss a beat.

6

Get the keys

On closing day I meet you at your new front door with the keys (and usually a bottle of wine).

Government programs

The 5 programs every Ontario first-time buyer should know

Most first-time buyers leave thousands of dollars on the table by not stacking these. Don't be that person.

First Home Savings Account (FHSA)

Save up to $40,000 (lifetime) with tax-deductible contributions and tax-free growth and withdrawals for a first home.

Home Buyers' Plan (HBP)

Withdraw up to $60,000 from your RRSP tax-free toward your down payment, repaid over 15 years.

Ontario Land Transfer Tax Rebate

Up to $4,000 off Ontario LTT for first-time buyers (plus another $4,475 in Toronto).

GST/HST New Housing Rebate

Recover a portion of HST on a new build or substantially renovated home (income limits apply).

CMHC Insurance

Required if your down payment is under 20%. Lets you buy with as little as 5% down (5% on the first $500K, 10% above).

First-time buyer tools

Run your numbers

Real calculators with Ontario rates baked in.

What Can I Afford?
Income + debts → max purchase price.
Mortgage Calculator
Monthly payment by rate, term, and down payment.
Land Transfer Tax
Ontario + Toronto with first-time rebate.
Rent vs Buy
Side-by-side over 5-10 years.
Local first-time buyer guides

Pick your city

Every city has its own affordability picture, programs, and best entry-level neighbourhoods.

First-time buyers in Mississauga →First-time buyers in Brampton →First-time buyers in Oakville →First-time buyers in Burlington →First-time buyers in Hamilton →First-time buyers in Milton →First-time buyers in Georgetown →First-time buyers in Guelph →First-time buyers in Kitchener →First-time buyers in Waterloo →First-time buyers in Cambridge →First-time buyers in Brantford →First-time buyers in Grimsby →First-time buyers in Beamsville →First-time buyers in St. Catharines →First-time buyers in Niagara Falls →First-time buyers in Niagara-on-the-Lake →First-time buyers in Welland →First-time buyers in Fort Erie →First-time buyers in Thorold →First-time buyers in Pelham →First-time buyers in Caledon →First-time buyers in Bolton →First-time buyers in Caledonia →First-time buyers in Paris →First-time buyers in Orangeville →First-time buyers in Fergus →First-time buyers in Elora →
FAQ

The questions I get every week

For homes under $500,000 the minimum is 5%. From $500,000 to $1.5M it's 5% on the first $500K and 10% on the portion above. Homes $1.5M+ require 20% down. CMHC insurance applies to down payments under 20%.
Ready when you are

Book your free first-time buyer consultation

A no-pressure 30-minute call. Bring questions - I'll bring answers.

See available times →

Or send me a message

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