A SAFE PLACE TO START

Financial readiness,
without judgement.

You do not need to have everything figured out. Answer honestly, see where you stand and receive educational next steps you can work through at your own pace.

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Income and documentationI know my gross and take-home household income.I have identified whether any income is salaried, hourly, variable, commissioned or self-employed.I know which income and employment documents may be requested.A lender or mortgage professional can confirm the exact documents for my situation.

Debt and creditI have listed every debt balance and required monthly payment.This includes credit cards, vehicle loans or leases, student loans and lines of credit.I have reviewed my credit reports for accuracy.I know which issues or questions I want to discuss before applying.

Savings and purchase fundsI know how much is available for my down payment.I have identified which funds may come from savings, FHSA, HBP or an eligible gift.I am keeping closing funds separate from the down payment.I have considered land transfer tax, legal costs, adjustments, moving and a cushion.

Monthly comfort and home searchI have compared an ownership budget with my monthly lifestyle.I have included mortgage, tax, utilities, fees, insurance and maintenance where relevant.I understand the ownership trade-offs of my preferred property types.I have considered condo fees and documents or freehold repair responsibilities.I have identified the location priorities that matter most.I have considered commute, transportation, services, lifestyle and full monthly cost.

Financial readiness,
without judgement.

Start with the fundamentals

What you have already organized

Areas to clarify next

Clear next steps based on your answers

Financial readiness,without judgement.

Start with the fundamentals

What you have already organized

Areas to clarify next

Clear next steps based on your answers

Financial readiness,
without judgement.