First-Time Home Buyer Guide

A clear path from preparation to keys.

A practical purchase path

Confirm financing readiness, down-payment source, deposit access, and closing funds.

Set your areas, home type, commute, schools, and non-negotiables before viewings.

Consider price, deposit, conditions, and closing date as one decision.

Coordinate lender, lawyer, insurance, handover, and move-in details.

Confirm current eligibility, timing, and documentation through the official source and the appropriate tax, legal, or mortgage professional.

Confirm who can open and withdraw from an FHSA, and how the timing fits your purchase.

Confirm eligibility, withdrawal timing, and current repayment rules.

Confirm purchaser and spouse history, occupancy, residency, and application timing.

This guide is for planning only. It is not tax, legal, or mortgage advice.