Buying your first home is exciting, but it can feel overwhelming at times. Let us help you understand what to expect throughout the process.

Learn the basics.

If you’ve never had a mortgage, the lingo can seem overwhelming. Learn the basics and come talk to one of our TD Mortgage Specialists. Learn more

Save your down payment.

Saving for a down payment is easier when you plan ahead. You can set up a separate account and use a pre-authorized savings plan. Or even use your RSP contributions towards your down payment when you are a first-time home buyer. Learn more

Find out how much you can afford.

Even if you’ve never written out a budget before, it helps to take stock of where you are. Our mortgage tools such as our TD Mortgage Affordability Calculator helps make planning easy. Learn more

You could get pre-approved.

Pre-approval allows you to get an idea of how much mortgage you may get. Apply now

Go house hunting.

Condo, townhome, or house? Urban, suburban, or rural? A real estate agent can help you find just what you’re looking for. Learn more

Find your dream home. Make an offer.

When you find one that you love, make sure it’s within your price range. Arrange a home inspection to ensure that the home is in good condition.

Congratulations! Let’s find a TD Mortgage that’s right for you.

Get mortgage support just for you with a call from a TD Mortgage Specialist. Answer a few questions and we'll call you within a day.

Hire a real estate lawyer.

Your real estate agent or friends/family can recommend a lawyer or notary. A lawyer will not only make sure the paperwork is correct, but also protect your interests and keep you informed every step of the way.

Get property insurance.

Your lender will most likely require you to get insurance coverage in case of unforeseen circumstances.

Close the deal.

Give your lawyer a few days to ready the paperwork before the closing date.

Time to celebrate!

The day you get your key in hand will be a moment to remember. And the beginning of years of new memories. Welcome home!