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Buying your first home
can be a challenging process.

Searching an entire city for that right home that has your “needs and wants” is a big enough job. At Centum Mortgage Masters Inc, our professional team prides itself on providing the right education to help you, the First-Time Home Buyer, understand the mortgage market and help free up your time to focus on the real-estate market. Mortgage debt is typically the largest debt for most Canadians and it’s important to understand the various types of mortgage products and how they can affect your lifestyle. Our promise is to help you navigate the marketplace with the right advice and understanding about the different product features that are available in today’s market. We teach you about how terms like amortization, term, pre-payment privileges, renewal, penalties and refinancing and how effect you in the short and long term, and ultimately help you pick the product that best suits your financial goals.


Understanding your mortgage is your key to financial freedom.

Our agents will always take the time to show you strategies on how to pay down your mortgage faster.

Down Payment Options: It’s never too early to speak to one of your agents about mortgages, even if you are in the ‘saving’ stage of the home-buying process. Your down payment is key factor in how big or small your mortgage will be. You will need a minimum of 5% down payment to meet most mortgage requirements, however you can also take advantage of the following:

  1. The Home Buyers Plan (HBP) – First time home buyers can withdraw up to $25,000 each, tax free, from their RRSPs, as long as they follow the repayment plan.
  2. Gifted Down Payment – a parent or blood relative can gift a first time home buyer a portion or all of the down payment provided they confirm in writing the money does not need to be re-paid.

Knowing Your Affordability: Before riding the “I found my dream home” rollercoaster, speak to one of our Agents to understand what you can comfortably afford. Just because you can afford a certain mortgage amount, doesn’t necessarily mean you should spend that much. Understanding your spending habits and setting a monthly budget will help you re-establish your savings after such a large purchase. Knowing that you have factored in yearly property taxes, monthly utility, insurance bills and general upkeep will let you shop with confidence and know what flexibility you have when negotiating your offer.

We can even take this plan one step further. Our agents can provide you with a pre-approval and secure you a mortgage rate, typically guaranteed between 90 and 120 days, and allow you to shop with confidence.

Build Your A-Team: We are very happy to help you build a strong team of professionals to advise you throughout your home buying experience. Your team will be made up of a Realtor, Lawyer and Home Inspector and yes…one of our professional agents, all working to provide you with the best advice.

Know your closing costs: You will want to budget for the additional costs related to buying a home. Provincial and Municipal Land Transfer taxes, property searches, title searches, etc as just some of the steps involved with taking possession of your new home. Typically, we estimate these costs to be between 1.5% and 3% of the home’s selling price. We will help you estimate these costs and keep you from being caught by surprise.

Call us today and let us put you on the path to home ownership.


At CENTUM Mortgage Masters, we’re always looking out for your best interest.

Smart Products. Smart Investments. Smart Choices. Smart You.