This is a clear, step-by-step First-Time Buyer Playbook for Ontario — not a sales brochure.

Inside, you’ll learn how to:

✅ Figure out what you can actually afford (down payment, closing costs, monthly payments)

✅ Understand today’s Ontario market and where buyers still have leverage in 2026

✅ Use first-time buyer programs, rebates & incentives most people don’t realize they qualify for

✅ Avoid costly rookie mistakes that derail first purchases

✅ Turn your first home into a smart long-term wealth move, not an expensive learning experience

Whether you’re just starting to think about buying or actively planning your first purchase, this guide gives you clarity and confidence — no fluff, no pressure, just practical advice.

Includes local insights for Waterloo Region, Brantford, and surrounding Ontario markets.