Bram found us a great home that was not originally on our radar and he helped us avoid homes with 'red flags'. You get a sense of security when working with Bram." — ⭐⭐⭐⭐⭐ Jim
Everything you need to know. None of the fluff.
Buying a home is the biggest purchase of your life. You shouldn't have to do it alone. Inside this 20-page guide, I break down the entire process into plain English.
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The 2026 Financial Reality: How to calculate your budget with the new interest rates and the $1.5M insured mortgage cap.
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The "Dream Team": Why you need a specific type of lawyer and lender to protect your deposit.
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Free Money: A complete list of rebates and incentives available to Ontario buyers.
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The Hunt: How to spot red flags during a viewing that photos won't show you.
Top Questions for 2026
Is 2026 a good year to buy a home in Toronto?
Real estate outlooks for 2026 suggest a normalizing market. With interest rates stabilizing and the 30-year mortgage amortization now fully established for first-time buyers, 2026 offers more predictability than previous volatile years.
What are the down payment rules for 2026?
The insured mortgage cap is $1.5 Million.
• 5% on the first $500,000
• 10% on the amount between $500k and $1.5M.
(Note: Properties over $1.5M still require 20% down).
Who qualifies for a 30-year mortgage?
In 2026, eligibility is broad: All first-time homebuyers (and anyone purchasing a newly constructed home) can access 30-year amortization periods on insured mortgages to lower their monthly payments.
Can I use both the FHSA and RRSP HBP?
Absolutely. In 2026, many buyers will have accrued substantial room in their FHSA. You can combine those tax-free funds with the $60,000 RRSP Home Buyers' Plan for maximum buying power.
Hi, I’m Bram
I'm not here to sell you a house today. I'm here to help you make the right moves so you can buy one tomorrow. As an Accredited Advanced Negotiator in Toronto, I wrote this guide to help you avoid the expensive mistakes I see rookie buyers make every day.
Bram Sandow, Realtor
Property.ca Inc. Brokerage
36 Distillery Lane unit 500, Toronto, ON M5A 3C4
Direct: (416) 488-2073
Office: (416) 583-1660
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