First-time buyer

Buying a first property shouldn't be a headache. It should be a source of pride.

You dream of having your keys in hand, but between the down payment, the pre-approval, the rates and government programs, you don’t know where to start? That’s exactly why I’m here. My role is to turn what seems complicated into a clear, step-by-step plan!

Online request
[object Object]

I understand what you're going through

Buying a first home is probably the biggest financial decision of your life. It’s normal to have a thousand questions. Is my down payment enough? Do I earn enough? What will a bank think of my file?

Here’s what I want you to remember: there are no problems, only solutions. An imperfect file, self-employment, a credit to rebuild — I’ve seen all kinds of situations, and each deserves taking the time to find the right path. My job is precisely to find it with you.

What I do for you, concretely

1. We take stock of your situation.

Income, down payment, credit, objectives: we look at the full picture, without judgment. You walk away with a clear idea of your real purchasing power — not a theoretical number.

2. We obtain your pre-approval.

You shop with confidence afterward, knowing exactly your budget, with a protected rate during your search. It’s also a serious advantage when it comes time to make an offer.

3. I shop for you with more than 20 financial institutions.

Banks, credit unions, alternative lenders: I compare rates and terms to find financing that truly matches your reality — not your neighbor’s.

4. I accompany you to the notary.

Offer accepted, documents, final approval, loan insurance: I stay by your side at every step, and I answer your questions in clear French, not in banking jargon.

[object Object]

Programs designed for you

As a first-time buyer, you have access to tools that can make a real difference. I help you get the most out of them:

  • The FHSA — save for your down payment tax-free, up to $8,000 per year.
  • The HBP (Home Buyers' Plan) — use up to $60,000 from your RRSP, tax-free, for your down payment.
  • 30-year amortization — lighter monthly payments for eligible first-time buyers.
  • Tax credits and refunds — many first-time buyers leave money on the table without knowing it. Not you.

(Each program has its eligibility conditions — we validate them together according to your situation.)

[object Object]

And how much does a broker cost?

Nothing. My services are completely free. As a mortgage broker, I am compensated by the financial institution once your financing is finalized — never by my clients. You thus benefit from full support, objective advice, and access to a wide network of lenders, with no fees or commitments on your part!

Ready to take the first step?

Whether your purchase is planned for three months or two years, every project benefits from early planning. An initial conversation, free of charge and without obligation, is often enough to clarify your situation and establish a concrete plan to make your dream a reality. Let’s take this first step together.

Mélanie Larin's profile picture, Mortgage broker, Multi-Prêts Hypothèques

Mélanie LarinMortgage broker

Multi-Prêts Hypothèques

Contact

Send Message

468, chemin de la Grande-Côte, Saint-Eustache (Québec) J7P 1J4

Autorité des Marchés Financiers (AMF) member # 253199