First-Time Home Buyer

FIRST-TIME HOME BUYER

What You Need to Know Before Buying Your First Home in Canada

Prepared and Published by Mar Lopez Academy

Buying your first home can be one of the most exciting—and most expensive—decisions of your life.

First-Time Home Buyer is a practical digital guide designed to help Canadian first-time buyers better understand the home-buying process before making one of life’s biggest financial commitments.

Whether you’re just starting to save for a home, preparing for mortgage pre-approval, or already looking at properties, this guide will help you become a more informed buyer.

WHAT’S INSIDE?

✓ Understanding the home-buying process

✓ Building a realistic home-buying budget

✓ Credit, debt and mortgage pre-approval

✓ Understanding down payments

✓ Mortgage default insurance

✓ Mortgage rates, terms and amortization

✓ Canada’s mortgage stress test

✓ Choosing the right home

✓ Working with a real estate professional

✓ Making an offer

✓ Home inspection and due diligence

✓ Closing costs and cash needed

✓ Condominiums and monthly fees

✓ New homes versus resale homes

✓ Common first-time buyer mistakes

✓ Possession day and your first year

✓ Mortgage calculation tables for homes from $300,000–$800,000

✓ First-time home buyer checklist

WHO IS THIS GUIDE FOR?

This book is ideal for:

• First-time home buyers in Canada

• Young adults and young families

• Newcomers preparing to purchase their first Canadian home

• Students and new graduates planning for home ownership

• Anyone who wants to understand the buying process before speaking with lenders or real estate professionals

DIGITAL PRODUCT

You are purchasing a digital PDF book.

There is no physical book shipped.

After purchase, you can download the PDF and read it on your phone, tablet, laptop or computer.

SPECIAL LAUNCH PRICE: CA$14.95

Prepared and Published by MAR LOPEZ ACADEMY

© 2026 Mar Lopez Academy. All Rights Reserved.

Your Home. Your Future. Your Journey Starts Here.

Important: This publication is for educational purposes only and does not constitute financial, legal, tax, mortgage, or real-estate advice. Mortgage rules, programs, rates and eligibility requirements can change. Buyers should confirm current information with qualified professionals and official government sources.