First-Time Home Buyer in Rockland
Get expert guidance from a licensed mortgage agent based in Ottawa and make your dream home in Rockland a reality.
- No Hidden Fees
- 35+ Lenders
- Same Day Pre-Approval
Your Trusted Partner for an Ottawa First-Time Home Buyer Loan
I’m Matt Price, a mortgage agent based in Ottawa, dedicated to helping first-time buyers purchase their dream home in Rockland. Unlike traditional bank representatives, I work on your behalf by searching for mortgage solutions from a variety of lenders. My experience in the Ottawa region allows me to provide insight into the local market and surrounding communities.
Whether you’re just beginning your home search or preparing to make an offer, I’ll provide the guidance you need to make informed decisions. Together, we’ll find a mortgage solution that fits both your current needs and your plans for the future.
Competitive Rates
Access to multiple lenders and competitive rates.
Unbiased Advice
Unbiased advice tailored to your goals.
Flexible Solutions
Flexible solutions the banks do not always offer.
Faster Approvals
A smoother and faster approval process.
Full Support
Support from application to closing and beyond.
Local Expertise
Ottawa-based agent who understands the local market.
Down Payment Programs for First-Time Buyers in Rockland
Two government programs are available to help increase your down payment:
First Home Savings Account (FHSA) - Government of Canada:
You can contribute up to $8,000 annually, to a lifetime maximum of $40,000, while receiving valuable tax deductions. Eligible withdrawals used to purchase your first home are completely tax-free, and you never have to repay the funds.
Home Buyers' Plan (HBP) - Government of Canada RRSP:
This program lets you withdraw up to $60,000 from your RRSP, or up to $120,000 as a couple, without immediate tax consequences. The amount withdrawn must be repaid to your RRSP over a period of 15 years.
Many home buyers take advantage of both programs at the same time to maximize the funds available for their first home purchase.
Buying your first home in Rockland starts with choosing the right mortgage. With access to over 35 lenders, I can help you compare financing options, identify available programs, and create a savings plan that supports your homeownership goals.
Estimate Your Monthly Payment
Use our calculator to estimate your mortgage payments.
What Our Clients Say
I believe every client deserves honest advice, responsive service, and support from start to finish. That’s why many of my clients return for future financing needs and recommend me to friends and family who are looking for trusted mortgage guidance.
“As first-time buyers, we were overwhelmed. Matt made everything easy and found us a rate 0.5% lower than our bank!”
Sarah & Michael T.
Barrhaven
“Refinanced and saved $300/month. Smooth process, always available. Highly recommend!”
Robert & Patricia C.
Kanata
“Self-employed, thought a mortgage was impossible. Matt found the perfect lender. Can’t thank him enough!”
Jennifer L.
Orleans
Frequently Asked Questions
Have questions? We’ve got answers.
What is the difference between a mortgage agent and a bank?
If you go into a bank or credit union, you only see the mortgage products they offer. By working with a mortgage agent, you gain access to a much broader range of financing solutions. I am a licensed mortgage agent in Ottawa and shop 35+ lenders for rates, terms and mortgage products, always putting your best interests first.
Whether you are a first time home buyer or seasoned homeowner in Rockland, you deserve to have an advocate for you during the financing process. You will get recommendations that are personalized to your financial goals, rather than just using the products of a single institution.
How much do your services cost?
Most home buyers have no out of pocket cost. My compensation is usually paid by the lender once your mortgage closes, so you get the benefit of expert advice, mortgage rate comparisons, application support and help through the closing process at no cost to you.
How much down payment do I need?
The required down payment can depend on the purchase price of the home. Minimum 5% down on properties under $500,000. If the home is between $500,000 and $999,999, you’ll pay 5% on the first $500,000, and 10% on the rest. Homes worth $1 million or more must have at least a 20% down payment.
Not sure what price range you can buy? We’ll help you determine your budget (and ongoing costs like property taxes) during your initial consultation so you can shop with confidence.
What is a mortgage pre-approval?
Getting pre-approved is one of the best ways to shop for a home with confidence. It sets your borrowing limit, locks in your interest rate for 120 days, and shows sellers you’re financially ready to make an offer. Usually, I can get it done in 24 to 48 hours.
Need a quick estimate before committing to a full application? A pre-qualification can give you a ballpark figure of your monthly mortgage budget in 24 hours.
Can you help with bad credit or self-employment?
Yes. Bad credit or self-employment doesn’t automatically mean you’re out of the running for a mortgage. I work with access to 35+ lenders, many of them alternative lenders, so I can look at all financing options available to borrowers with unique financial situations or non-traditional income.
Do I need mortgage insurance?
In general, if you are putting down less than 20% mortgage insurance will be required. This coverage protects the lender, not the borrower, should the mortgage fall into default. The premium is typically added on to your mortgage amount and I’ll help you understand how it affects your overall financing costs.
Can I use my RRSP or FHSA toward my down payment?
Yes. Both programs are often used by buyers together. Your FHSA is a tax-free savings account to help you save for your first home, and the Home Buyers’ Plan allows you to withdraw up to $60,000 from your RRSP to help with your down payment.
Let's Make Your Next Move Simple
Whether you are exploring your options or ready to apply, I am here to help. Reach out today for a personalized mortgage strategy and discover how much you could save with a local mortgage agent in Ottawa.