New Mortgage Purchase
Make your real estate dream come true with XPERTO
Ready to become a homeowner? Whether you’re a first-time buyer or looking to expand your family, XPERTO is here to guide you through every step of your new mortgage purchase.
New Purchase
Important Considerations
Down payment
We will help you determine the optimal amount for your down payment and explore available assistance programs.
Calculate your mortgage payments using our mortgage calculator.
Startup costs
Use our mortgage calculator to estimate your monthly payments based on different down payment and interest rate scenarios.
Amortization
Choose the term that best suits your financial situation, typically between 25 and 30 years for first-time buyers.
How to buy a property?
Here is the simplified buying process for your first property
Financial Assessment
Analysis of your financial situation and available assistance for first-time buyers.
Obtaining a pre-approval
Obtaining a pre-approval to clarify your budget.
Property search
Guidance from a real estate agent in finding your future home.
Purchase offer and negotiation
Advice on drafting an offer and negotiating the best terms.
Finalizing the financing
Securing financing to complete your purchase.
Signing at the notary
Appointment at the notary for the official signing.
Solutions for everything
Types of borrowers we assist
At XPERTO, we are proud to assist a wide variety of borrowers in their real estate purchase projects. Our expertise allows us to tailor our services to different profiles, including:
Newcomers to Canada
- We understand the specific challenges you may face and guide you through the buying process.
Salaried professionals
- Whether you are at the beginning of your career or an experienced executive, we find the mortgage solution that fits your professional situation.
Self-employed workers and entrepreneurs
- We understand the specifics of your status and know how to present your file optimally to lenders.
Real estate investors
- Whether it’s for a first or subsequent rental property, we help you structure your financing advantageously.
Second home buyers
- We assist you in financing your cottage or city pied-à-terre.
Divorced or separated individuals
- We guide you through this important transition, taking your new financial situation into account.
Retirees and pre-retirees
- We help you realize your real estate projects while taking your retirement income into account.
Which one to choose?
Types of mortgage loans
Fixed rate
Payment stability
Variable rate
Potential long-term savings
Conventional mortgage
For a down payment of 20% or more
Insured mortgage
For a down payment of less than 20%
Mortgage Broker
Why choose a mortgage broker for your new purchase?
Specialized expertise
We know all the programs and nuances related to first-time home buying.
Stress management
We simplify the process for you, reducing the anxiety associated with this big step.
Best terms
Our negotiating power ensures you get competitive rates.
Time savings
We handle all the research and negotiations for you.
Frequently Asked Questions
Generally 5% for properties of $500,000 or less, with variations for higher amounts.
Yes, we have solutions tailored for self-employed individuals.
It varies, but we generally aim for approval within 48-72 hours.
We work with you to adjust your strategy if necessary.