We help to make owning your first home possible.
We know as a first-time home buyer that you may have questions and want an expert to be there to guide you through the mortgage and home buying process. Our Mainstreet advisors will be there by your side helping you step-by-step in finding the right home and mortgage for you.
In this competitive market you need a mortgage and financial provider that will give you good advice, a great mortgage-rate, and flexible payment options.
Things to consider when purchasing your first home.
What are you looking for?
Get "Pre-approved/Pre-qualified"
Get House Hunting
Finalize your Mortgage
Protect your home
Mortgage Choices
Mainstreet mortgages can be customized to you and your unique needs.
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Apply and lock-in a great rate for 90 days! If the rate lowers during that time you automatically get the better rate!
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Have a Mainstreet advisor available to walk you through all the steps, provide advice, and easy to reach for any of your questions along the way.
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Mainstreet mortgages have built in flexibility. Switch your variable rate to fixed rate mortgage at any time. Planning to move or make other life changes? Speak to your advisor about porting your mortgage and other available options to fit your needs.
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Payment flexibility. Maybe you'll go with smaller payments weekly, or the full amount once per month (or something in-between). There are also options for the overall length of time you'll take to pay your mortgage off (amortization period).
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Choose from a selection of free chequing accounts, with a mortgage, or any combined business at Mainstreet, of over $100,000.
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Get mortgage-free sooner, and save money, with Mainstreet's generous pre-payment options. Pay up to 20% of the original principal of your mortgage each year and increase your regular payment amount.
We were needing a building loan for our dream home in Goderich. We heard great things about Mainstreet so set-up a meeting with Kim. She took the time to get to know us and the situation and jumped right in. Within 3 days she had fixed everything related to our bank loan situation and the entire process was so much smoother and personalized - we really felt well taken care of. With Mainstreet we feel like they are on our side, saving us money, and taking care of our family's financial well-being.
Check out these helpful resources:
What is a Fixed Rate Mortgage?
How to save for a down payment to buy a home
Why you should get pre-approved when shopping for your first home
Mortgage Insurance
For most families the biggest debt and the biggest monthly expense are one and the same thing: the mortgage. Mortgage life insurance, available on all Mainstreet mortgages, helps ensure the security of your family home in the event of loss of life.
Talk to a Mainstreet advisor about adding mortgage insurance to your home.