First-Time Home Buyers
Your Dream Home Awaits
Buying your first home in Ontario is one of the most exciting milestones of your life. Lez Gomez has helped over 1,000 first-time buyers across Toronto, Mississauga, Brampton, Hamilton, Ottawa, and every corner of Ontario secure their dream homes with competitive rates, government incentives, and expert guidance every step of the way.
Benefits of Working With Us
Lez Gomez provides expert mortgage solutions tailored to your unique situation across Ontario.
Low Down Payment Options
Lez Gomez helps first-time buyers in Toronto, Mississauga, Brampton, and across Ontario access mortgages with as little as 5% down. We maximize every dollar of your savings to get you into your home faster.
Government Incentive Expertise
Take full advantage of the First Home Savings Account (FHSA), Home Buyers' Plan (HBP), First-Time Home Buyer Incentive, and Ontario land transfer tax rebates. Lez Gomez ensures you don't leave money on the table.
Pre-Approval Power
Get pre-approved with confidence. Lez Gomez provides fast pre-approvals from 50+ lenders so you can shop with certainty in competitive Ontario markets like Toronto, Hamilton, Kitchener, and Ottawa.
Best Rates Guaranteed
As an independent mortgage agent, Lez Gomez shops the market on your behalf. Access wholesale rates from major banks, credit unions, monoline lenders, and alternative lenders across Ontario.
Personalized Guidance
Lez Gomez walks you through every step - from budgeting and pre-approval through closing. Whether you're buying in Vaughan, Richmond Hill, Oakville, or Barrie, you'll never feel lost.
Simplified Documentation
First-time buyer paperwork can be overwhelming. Lez Gomez streamlines the process, handles lender communications, and ensures your file is pristine for the fastest approval across any Ontario community.
Steps to Secure Your 2026 Home Deposit
Watch Lez Gomez break down exactly how first-time buyers in Ontario can secure their home deposit in 2026. Learn actionable strategies for saving, government programs to leverage, and insider tips to get mortgage-ready faster.
Your Path to Approval
Lez Gomez makes the mortgage process seamless from application to closing.
Free Consultation
Call Lez Gomez at 416-723-1313 for a free assessment. We'll review your finances, discuss your goals, and create a personalized plan for your Ontario home purchase.
Pre-Approval
Lez Gomez secures your pre-approval from the best of 50+ lenders. Know exactly what you can afford and shop with confidence in Toronto, Hamilton, Ottawa, or anywhere in Ontario.
Find Your Home
Shop with your pre-approval letter in hand. Lez Gomez coordinates with your realtor and handles all lender requirements as you make offers on your Ontario dream home.
Close & Move In
Lez Gomez manages the final approval, conditions, and closing process. Get your keys and start building equity in your first Ontario home.
Do You Qualify?
Lez Gomez works with 50+ lenders across Ontario to find solutions even when banks say no. Here are the typical requirements:
Canadian citizen or permanent resident purchasing a home in Ontario
Have never owned a home before (or not in the last 4 years for FHSA)
Minimum 5% down payment for homes under $500,000
Minimum 5-10% down payment for homes between $500,000-$999,999
Stable income to support mortgage payments - Lez Gomez works with all income types
Reasonable credit history (Lez Gomez can help even with limited credit)
Property must be in Ontario and your primary residence
Qualify under the federal stress test at the benchmark rate
Ready to Get Started?
Speak with Lez Gomez today for a free consultation and personalized mortgage solution.
Common Questions
How much do I need for a down payment as a first-time buyer in Ontario?
What is the First Home Savings Account (FHSA)?
Can Lez Gomez help me buy a home in any Ontario city?
How long does the first-time buyer mortgage process take?
What credit score do I need as a first-time buyer?
Do I need to pay for CMHC insurance?
Lez Gomez: Ontario's Trusted First-Time Home Buyer Mortgage Agent
Lez Gomez is one of Ontario's most experienced mortgage agents specializing in first-time home buyer financing. With over 15 years of experience and access to 50+ lenders including major banks, credit unions, monoline lenders, and alternative financing sources, Lez Gomez has helped thousands of Ontarians achieve their dream of homeownership. Whether you're looking to buy your first home in Toronto's competitive condo market, a family home in Mississauga or Brampton, a townhouse in Hamilton or Burlington, or property anywhere from Ottawa to Windsor, Lez Gomez provides personalized mortgage solutions with the lowest rates available. As a FSRA-licensed mortgage agent with a 5-star Google rating, Lez Gomez is committed to making the first-time buying experience stress-free and financially optimal for every Ontario client.
First-time home buyers in Ontario face unique challenges - from understanding government incentives like the First Home Savings Account (FHSA), Home Buyers' Plan (HBP), and the Ontario land transfer tax rebate, to navigating the federal mortgage stress test and CMHC insurance requirements. Lez Gomez takes the complexity out of the process. We provide comprehensive guidance on budgeting, down payment planning, pre-approval strategy, and closing procedures. Our expertise spans every property type and every Ontario community - from downtown Toronto condos and Vaughan detached homes to Barrie new builds and Kingston heritage properties. Contact Lez Gomez today at 416-723-1313 for your free first-time buyer consultation.
Lez Gomez Serves All of Ontario
As a licensed Ontario mortgage agent, Lez Gomez provides first-time home buyers services across every city and town in the province:
Greater Toronto Area
Hamilton, Niagara & Southwestern Ontario
Eastern Ontario
Central & Northern Ontario
All Other Ontario Communities
Other Mortgage Solutions by Lez Gomez
Ready to Secure Your Mortgage?
Lez Gomez is ready to help you find the perfect mortgage solution. Get a free consultation today.