Buying your first home shouldn't mean guessing. I'm Justin Joseph, Mortgage Agent Level 2 (FSRA #13564), and I shop 30+ lenders to structure your down payment, pre-approval, and amortization for maximum flexibility — including FHSA and newcomer-specific purchase programs.
A first mortgage isn't just about the lowest rate — it's about the right structure for where you're starting from.
From minimum 5% down to FHSA and RRSP Home Buyers' Plan withdrawals, I map the most efficient way to fund your down payment.
A real pre-approval, not just a rate quote — so your offer is credible the moment you find the right home.
Limited Canadian credit history doesn't disqualify you. Several lenders specialize in newcomer purchase financing.
FHSA, the Home Buyers' Plan, and land transfer tax rebates — structured into your purchase from the start.
One professional handling your search and your financing, so nothing falls through the cracks.
We confirm your budget, down payment source, and credit position before you start looking.
You search and make offers knowing exactly what you can afford and how your offer will be financed.
I coordinate financing conditions, appraisal, and lender documents so your closing date holds.
Every path connects back to the same 30+ lender network I use across all my mortgage services.
20%+ down payment, no default insurance required, widest lender selection.
Standard PathAs little as 5% down with CMHC, Sagen, or Canada Guaranty default insurance.
Lower Down PaymentUse your tax-free First Home Savings Account toward your down payment.
Tax-AdvantagedPurchase financing for new immigrants with limited Canadian credit history.
New to CanadaBank-statement and stated-income programs for business owners.
Flexible IncomeFinancing structured for rental and investment property purchases.
Investor FriendlyAs little as 5% down on homes under $500,000, with a sliding scale up to $1.5 million. Above that, 20% down is required. Your down payment source and property price determine which programs are available.
The FHSA lets first-time buyers contribute up to $8,000 per year (lifetime max $40,000) tax-free toward a home purchase, combining the tax benefits of an RRSP and TFSA.
Yes. Several lenders offer newcomer mortgage programs that consider international credit history, employment offers, and larger down payments in place of a long Canadian credit file.
Default insurance is required on purchases with less than 20% down. It protects the lender if you default, and the premium is typically added to your mortgage balance.
Most pre-approvals hold your rate for 90-120 days, giving you time to shop with a confirmed budget.
No obligation. No credit hit. I'll map your purchase financing options — usually within a few hours.
Not what you're looking for?