Straight answers on what you need saved, what you'll qualify for, what closing really costs, and whether buying beats renewing your lease this year. Written by a RECO-licensed Toronto agent — no lead-gen games.
Find out where you stand before you start touring. Both take about two minutes and neither requires a credit check.
Six questions on down payment, credit, employment, pre-approval and timing. You get a score and an honest read on what's realistic — plus the specific gaps worth closing first.
Get my readiness scoreReal 2026 land transfer tax brackets, CMHC premiums, the PST on that premium, and first-time buyer rebates applied automatically. Shows true cash-to-close and qualifying income.
Run my numbersEach guide stands alone, but they're written to build on each other — start with the complete guide if you're early, or jump to the specific question you're stuck on.
Every step of buying your first home in Toronto, in the order that actually works — from your real number to closing day.
Read the guideThe sliding 5/10/20 rule, what CMHC insurance costs, and the PST nobody budgets for.
Read the guideUp to $8,475 in land transfer tax rebates, FHSA, Home Buyers' Plan, and the new GST rebate.
Read the guideBoth land transfer taxes, legal fees, title insurance and adjustments — line by line.
Read the guideAn honest comparison with real 2026 numbers, including when renting is the better call.
Read the guideWhich areas give first-time buyers real value, and what your budget reaches.
Read the guideTake the six-question readiness check and I'll tell you honestly what your numbers support today, what's holding you back if anything is, and what to fix first.