Kirann Sharma
Mortgage Agent
Mortgage Architects · FSRA Brokerage Licence #12728
Specializes in creative financing solutions for complex properties. Known for finding solutions when others say no.
Who we are
FirstHomeGuide.ca is a free, independent education platform for Canadian first-time buyers, powered by LendCity (FSRA #12728).
Scott Dillingham is a Licensed Mortgage Agent (Ontario, Level 2) and founder of LendCity™, operating under the Mortgage Architects brokerage (FSRA Brokerage Licence #12728).
What makes this guide different
Most home buyer resources in Canada are either government PDFs that haven't been updated in years, or bank-sponsored content designed to sell you a mortgage. We built something better.
The people behind the guide
Licensed Mortgage Architects mortgage professionals at LendCity. First-time buyer calls are booked with Kirann.
David Cardozo
Real Estate & Mortgage Agent
Mortgage Architects · FSRA Brokerage Licence #12728
Active investor developing, renovating, and trading both residential and commercial projects across Canada and the U.S.
Neutral & Unbiased
Our education is free and unbiased, built on government data and real experience. When you’re ready for next steps, our licensed team provides personalized guidance with no pressure.
Province-Specific
Federal programs are only half the picture. We cover every provincial incentive, rebate, and assistance program across all 10 provinces and 3 territories so nothing catches you off guard.
Always Current
Housing policy changes fast. We track FHSA contribution limits, HBP withdrawal rules, proposed GST changes, land transfer tax rates, and provincial program updates so the guide stays accurate for 2026.
Plain Language
GDS ratios, stress tests, amortization periods, we explain every concept in language anyone can understand, with real-dollar examples using current Canadian figures.
Built on authoritative sources
Every fact, figure, and program detail in this guide is sourced from official Canadian government publications and verified against primary sources.
CMHC
Canada Mortgage and Housing Corporation
FCAC
Financial Consumer Agency of Canada
CRA
Canada Revenue Agency
Statistics Canada
Statistics Canada
Provincial Authorities
Provincial housing and land title authorities
Verified & up to date
Content reviewed by LendCity's licensed mortgage professionals and verified against official government sources. Updated regularly. Last comprehensive review: May 2026.
53
in-depth articles
8
structured modules
13
provinces & territories covered
$0
cost, free forever
Beyond the Guide
When you're ready to move from learning to buying, LendCity's concierge team is here. We walk you through every stage: pre-approval, house hunting, offer strategy, and closing, with licensed professionals by your side the entire way.