Last updated: April 12, 2026
Disclaimer
FirstHomeGuide.ca is a free educational resource. The disclaimer below applies to all content, tools, calculators, and resources on the Site.
General information only. The content on FirstHomeGuide.ca — including articles, tools, calculators, and guide modules — is provided for educational and informational purposes. It is not financial advice, legal advice, tax advice, mortgage advice, real estate advice, or a solicitation to buy or sell any financial product.
Not a mortgage broker. FirstHomeGuide.ca is an independent education resource. Licensed mortgage services referenced on this site are provided by LendCity (FSRA Brokerage Licence #12728) under Mortgage Architects. FirstHomeGuide.ca does not originate, fund, approve, or guarantee any mortgage.
Rates, rules, and programs change. Federal and provincial home-buyer programs, tax rules, CMHC premiums, mortgage rates, land transfer taxes, and closing costs are subject to change without notice. Calculators on this site use published formulas and assumptions that may not reflect your specific situation or the most recent rules.
Always verify before acting. Before making any home-buying, financial, legal, or tax decision, consult a licensed mortgage professional, real estate lawyer, accountant, or other qualified advisor who can review your personal circumstances. FirstHomeGuide.ca, LendCity, and their contributors accept no liability for decisions made based on the content of this site.
Calculator assumptions
Our calculators use published formulas (CMHC premium tiers, stress test rate, GDS/TDS ratios, provincial land transfer tax rates, etc.) that were accurate when last reviewed. Results are estimates only. Your actual qualification, rate, and total cost depend on factors no calculator can capture — your full credit profile, lender-specific underwriting, property-specific charges, and changes in government policy.
Provincial and territorial differences
Home-buying rules vary significantly across Canada’s provinces and territories — land transfer tax, first-time-buyer rebates, closing process, legal requirements, and consumer-protection rules all differ. We note major differences where we can. Always confirm provincial or territorial rules with a local lawyer, realtor, or mortgage professional.
Affiliate and sponsorship disclosure
FirstHomeGuide.ca is operated by LendCity (FSRA Brokerage Licence #12728). When you book a call through the Site, you are connected with a licensed mortgage professional at LendCity. Editorial content is created independently of any commercial relationship; program coverage is not conditional on a lender being a LendCity partner.
No professional relationship
Reading this site, using a tool, or booking a call does not create a mortgage-broker, lawyer-client, or fiduciary relationship. A formal relationship begins only when you sign an engagement agreement with a licensed professional.