Mortgage: home purchase
Mortgages for homebuyers and homeowners
Clear, professional advice for your home purchase. Whether you're buying your first home or your next property, Sukhpreet helps you understand your mortgage options, prepare for approval, and move toward closing with confidence.
Your first home is a major milestone
Your first home purchase comes with important decisions around approval, down payment requirements, closing costs, and lender options. Sukhpreet helps you understand the process and prepare for the next step.
Minimum down payment
It depends on the price of the home, and is higher on more expensive homes. The mortgage calculator shows the minimum for your price.
Mortgage stress test
Lenders qualify you at the higher of the Bank of Canada benchmark rate or your contract rate plus 2%, so you are approved for payments at a higher rate than you will pay. Sukhpreet can confirm how it applies to you.
Closing costs
Legal fees, appraisal, title insurance, and land transfer tax.
Lender options
Compare available lenders and mortgage solutions based on your situation.
Mortgage solutions for different needs
First-time buyers
Down-payment planning, budgeting, pre-approval strategy, and first-home guidance.
Move-up buyers
Review financing options as your home, income, and financial goals change.
Homeowners
Explore refinancing, renewal, and home-equity strategies when your needs change.
Your home purchase, step by step
Step 1
Discovery and goals
We discuss your goals, timeline, and ideal outcome.
Step 2
Pre-approval
Confirm your budget and strengthen your offer position.
Step 3
Offer coordination
Coordinate your financing strategy with your purchase.
Step 4
Underwriting
Your application and supporting documents move through lender review.
Step 5
Lawyer and closing
Coordinate with your realtor and lawyer for a smooth finish.
Step 6
After-closing support
Continue with guidance after your purchase is completed.
Common questions
Should I get pre-approved before I start looking at homes?
Yes. A pre-approval shows the price range you can borrow for, so you shop for homes that fit and can make an offer with more confidence. It is not a guarantee: the lender still confirms the property and your documents before the mortgage is final.
How much down payment do I need?
The minimum depends on the price of the home and is higher for more expensive homes. Putting less than 20% down means mortgage default insurance is added to your mortgage. Our mortgage calculator shows the minimum for your price, and Sukhpreet can confirm it for your situation.
What documents will the lender ask for?
Usually identification, proof of income (such as pay stubs, a letter of employment or tax documents), proof of your down payment, and details of your debts. Self-employed applicants are asked for a little more. Sukhpreet gives you a checklist that fits your situation.
Can I use a mortgage agent instead of going to my bank?
Yes. A mortgage agent can compare options from several lenders for you, while a bank can only offer its own products. Sukhpreet explains the options so you can decide which suits you best.
Why work with Sukhpreet?
Sukhpreet helps home buyers, investors, and homeowners compare lenders and secure the right financing, without the stress. The approach is focused on clear options, fast pre-approvals*, and client-first support from start to close. *Timelines depend on document completeness and lender response.
Personalized guidance
Advice tailored to your goals, timeline, and comfort level.
Transparent options
Rates, terms, and features explained in plain language.
End-to-end support
Coordination with your realtor and lawyer from start to close.
Meet Sukhpreet
Mortgage Agent, Level 1, Mortgage Alliance, Licence #10530
Sukhpreet works closely with clients to help them navigate the mortgage process with clarity and confidence.
- 20+ lender access
- Fast pre-approvals*
- Client-first guidance
*Timelines depend on document completeness and lender response.
Read Sukhpreet's full profile
Talk to Sukhpreet
Share a few details and we'll call you to talk it through. The first conversation is free.
- Call
- 613-306-9900
- Office hours
- Monday to Friday9:00 AM to 6:00 PMSaturday10:00 AM to 2:00 PMSundayClosed
- Visit
- 101-14 Chamberlain Ave
Ottawa, OntarioGet directions (opens Google Maps in a new tab)