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Free Guide

Everything you need to buy your first home

The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.

  • How much you can actually afford
  • Every cost beyond the purchase price
  • A step-by-step timeline from offer to closing
Download your free guide
What's Inside

A chapter for every step

Budgeting & affordability

What lenders actually look at, and how much home that really buys you.

Down payments & closing costs

Every cost beyond the purchase price, laid out line by line.

Getting pre-approved

What to have ready, and how a pre-approval actually strengthens an offer.

From offer to keys

A step-by-step timeline of what happens, and when, between an accepted offer and closing day.

A look inside

Getting started with a broker
Getting started with a broker
Choosing the right mortgage
Choosing the right mortgage
Savings programs for every buyer
Savings programs for every buyer
Why It Matters

Real answers, not just homework

This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.

  • Plain-language explanations, no jargon left unexplained
  • Local context — Ottawa land transfer tax, programs and lenders
  • Built to be read once and kept for reference through closing
Get your copy
Client Stories

Home buyers like you

“It was great to work with you Karen. I found you friendly, competent and easy to understand. I still feel really good about the decisions I made. When I met with my lawyer, everything was in order and went smoothly and it feels good to turn…
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Cathy
“Thanks so much, Karen! You are always a pleasure to work with, and we are so grateful for your time and help. Your care and concern is so evident and makes such a difference when it comes to these stressful mortgage and financial decisions.”
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Jessica and Andrew
“Thank you so much for your help. We cannot say enough how much we appreciate your assistance with our mortgage.”
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Jon and Catherine
“We had never worked with a mortgage broker before, but decided to work with Karen on the recommendation of our realtor. We were immediately impressed by Karen's personal, yet professional approach to working with clients. From negotiating a…
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Lindsay and Nick
“Karen was great throughout the whole process. We really appreciate your effort in walking us through this, especially taking that extra step in educating us through the process. Every step of the way we felt that added peace of mind knowing…
M
Mathieu and Katie
“Highly recommended! We had a great experience working with Karen to find the right mortgage for our new home purchase, and would highly recommend her services. As first time homebuyers, we had many questions about the process, options,…
M
Mike and Michelle
“It was great to work with you Karen. I found you friendly, competent and easy to understand. I still feel really good about the decisions I made. When I met with my lawyer, everything was in order and went smoothly and it feels good to turn the page and start with a cleaner financial picture. I'm happy to recommend you to others.”
Cathy
“We had never worked with a mortgage broker before, but decided to work with Karen on the recommendation of our realtor. We were immediately impressed by Karen's personal, yet professional approach to working with clients. From negotiating a competitive interest rate to providing expert advice on mortgage options, Karen has been an absolute pleasure to work with. We would not hesitate to recommend her to anyone, and often do!”
Lindsay and Nick
“Karen was great throughout the whole process. We really appreciate your effort in walking us through this, especially taking that extra step in educating us through the process. Every step of the way we felt that added peace of mind knowing you were doing your due diligence in getting us the best possible result, which we believe you did!”
Mathieu and Katie
“Highly recommended! We had a great experience working with Karen to find the right mortgage for our new home purchase, and would highly recommend her services. As first time homebuyers, we had many questions about the process, options, and implications of all the mortgage-related decisions we had to make. Karen was an outstanding resource for us - very knowledgeable, very organized, and extremely helpful. She was always available to meet, or respond to an email, and we felt very well supported throughout the entire process. We appreciate all of her help finding us the right fit for our needs, and look forward to using her services again in the future!”
Mike and Michelle
Ready When You Are

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