Everything you need to know about buying a home in Canada—organized into easy-to-follow guides created by The Niche Real Estate Team.
Whether you’re buying your first home, upgrading, or relocating within the GTA, start here.
We recommend starting with our Mortgage Qualification Guide to understand how Canadian lenders evaluate your finances before you begin your home search.
Step-by-step guidance to help you make informed decisions and feel confident throughout your home buying journey.
Learn how Canadian lenders evaluate income, debt, credit history, employment, and affordability.
Understand every step of buying a home—from searching to closing..
Learn about land transfer tax, legal fees, adjustments, and other closing expenses.
Understand mortgage options, pre-approval, fixed vs. variable rates, and more.
Programs, incentives and practical tips for first-time buyers.
No. Income is only one factor lenders consider. They also review debt obligations, credit history, employment stability, down payment, and other financial information.
GDS focuses on housing-related expenses, while TDS includes housing costs plus other recurring debts.
Yes. Lending rules, qualifying rates, and lender policies may change over time.
A pre-approval can help you understand your budget and prepare for the home buying process, but it does not guarantee final approval.
These guides are supported by information from trusted Canadian organizations.
Disclaimer:
The organizations shown above are referenced as trusted sources of public information. Their logos are displayed for identification purposes only and do not imply endorsement, sponsorship, or affiliation with The Niche Real Estate Team.
Canada Mortgage and Housing Corporation
Financial Consumer Agency of Canada
Office of the Superintendent of Financial Institutions
