Your first-time buyer tool kit

Get real answers in minutes.

These aren't your typical mortgage calculators. These are built specifically for first-time buyers in Ontario—with every rebate, incentive, and fee baked in. No fluff. No signup required (unless you want to save results). Just instant answers.

Quiz

What kind of home should you actually buy?

A MyFirstTimeBuy.ca quiz

First-time buyer incentives checker

See ALL rebates and credits you qualify for.

Avg. incentives discovered: $18,500

Affordability calculator

How much home can you actually buy in Guelph?

Used 10,000+ times
Avg. budget found: $485K

Closing Cost Calculators

The real closing costs nobody warns you about.

Based on Guelph and Wellington County numbers.

Resale vs. new construction

See the real cost of both options.

Including all Ontario incentives

Mortgage calculator

3 quick steps — we'll show you your real monthly cost and whether lenders will say yes.

Can I actually afford this home?

HST rebate calculator

Resale vs. preconstruction true cost comparison.

See the real effective cost.

Chat with our experts and let’s get you started!