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First Time Home Buyer Mortgages

It can be scary and confusing to navigate financing your first home. Circle Mortgage is a group of trusted mortgage professionals who can help you qualify for financing.
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First Time Home Buyer Mortgage -Circle Mortgage Group

To Buy Your First Home
Low Interest Rates
Quick Approval
Professional and Courteous Service 
Assistance with Government Incentive Programs

Trusted Lenders

Affordable Services
Our team is committed to working through our database of quality lenders to help you find the best rate on your commercial mortgage

Professional Team
Commericial mortgages take special expertise. When you work with our team, you can be confident in their knowledge to help you and your business
Quality Solutions
Whether you need a commercial mortgage to invest in your storefront, warehouse, or industrial land, we help to find the right solution for you
Fantastic Interest Rates
Don't pay more than you have to. We will always strive to find you the best possible rate for your commercial mortgage.
Thinking of Buying a Home for the First Time

Have you finally decided to take the plunge and become a homeowner? Good for you – it is an exciting time in your life! But before you run out and start spending a lot of time looking at homes and selecting paint swatches, you should get pre-approved for a mortgage. Keep in mind, that pre-approval is different than pre-qualification. Pre-qualification is only a ballpark figure of what you can probably get. Pre-approval is an agreement between you and the lender of what you can get. If you are ready to buy your first home, contact Circle Mortgage Group today to get pre-approved for a first-time home buyer mortgage.

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Happy First Time Homebuyer Mortgage

Choose Circle Mortgage Group For Your Commercial Mortgage

Circle Mortgage Group is a team of dedicated and knowledgeable mortgage experts. Our Mortgage Broker Burlington office is located in the city of Burlington, but we have assisted clients throughout the province of Ontario and all over Canada. Our brokerage has an emphasis on superior customer service and industry expertise. If you are looking to get approved for the terms of a financing agreement, contact us today. When you give us a call, you can expect a brokerage that will go the extra mile to ensure you receive the mortgage you deserve.

Eligibility for the First Time Home Buyer’s Incentive

  • Eligibility for the First Time Home Buyer’s Incentive

  • Be a Canadian citizen, permanent resident, or a non-permanent resident who is legally eligible to work in Canada.

  • Have a minimum down payment. (5% for the first $500,000 and 10% for the value exceeding $500,000). Unsecured loans may not be used for the down payment.

  • Have a combined total income of $120,000 or less. (also subject to minimum requirements set out by lenders).
  • Borrowing limit is equal to four times your income.

  • Mortgages must be eligible for mortgage insurance through CMHC, Canada Guaranty or Genworth.

  • Property must be located in Canada and be suitable for year-round living.

  • If purchasing a home as a couple, at least one person must be a first-time home buyer per the definition below.

Best Mortgage Broker for First Time Home Buyer Mortgage

If you are looking to purchase your first home in Burlington, contact us today to apply for your First Time Home Buyer Mortgages. One of our courteous and professional mortgages brokers will take you through every step of the process and answer any questions that you may have. We help take the stress out of getting your first mortgage.

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Happy Customers

  • Jivan’s sense of ethics is endearing. Mortgages are a hard hit to a client and it makes my business worth working for when I work with a Mortgage Broker who works with my client and ensures that the Mortgage my client is signing into will not result in sleepless nights.

    - Jacquie Jefferies

  • I have used Jivan’s services on numerous occasions, and have had successful results that suite my needs and budget. He was very professional yet personal so there was a confident feeling in my new mortgage. I have always received the best rate and get frequent updates. I have been so confident in his business etiquette that I have not only referred his services to my friends but also to my mom. I continue to use Jivan’s services to renew my investments.

    - Ramona Paul

  • I have used Jivan’s services on numerous occasions, and have had successful results that suite my needs and budget. He was very professional yet personal so there was a confident feeling in my new mortgage. I have always received the best rate and get frequent updates. I have been so confident in his business etiquette that I have not only referred his services to my friends but also to my mom. I continue to use Jivan’s services to renew my investments.

    - Tasnim Jivaji

  • I have had the pleasure of working with Jivan on several real estate deals and he consistently brokered the best mortgage rate for me.The process was always painless and fast. I trust his recommendations and advise.

    - Tony Almeida

  • Our experience with Jivan has been outstanding. He always seems to find us the lowest rates, but that’s only part of it. What really shines is the level of service he offers. He keeps us up to speed as the market changes and offers advice that time has shown to be absolutely spot on. Need a mortgage? Call Jivan.

    - Paul Vance

  • First time buying a house is a very stressful experience, and Jivan at DLC really helped reduce that stress by clearly outlining the process before we began so there were no surprises along the way and of course I had a lot of questions, and he was quick to respond to them. Now I recommend Jivan to anyone that tells me they are considering to buy a house because of my stress-free experience

    - Andrew Mabon

How First Time Home Buyer Mortgage can help you out?

Low Interest rates 
Invest in an assist
professional advice
know you what kind of home you can afford
get the right type of mortgage for you
Build equity that you can borrow from in the future

Frequently Asked Questions

How reliable is a Mortgage Broker?

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs. Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.

Other than rates, why should I use a Mortgage Broker?

In addition to rates, because mortgage-based financing is the broker’s primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favorable rates for each project, but often whether a project is funded at all.

How do Mortgage Brokers Find Superior Rates?

Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers. These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution’s portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.

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