Who I Help
First-Time Buyers
Buying your first home in Vaughan or anywhere in Ontario is exciting — and overwhelming. The stress test, down payment rules, and mortgage terminology can make the process feel impossible before it even starts. But here's what most first-time buyers don't know: the rules changed in 2025 in your favour. You now qualify for 30-year amortizations, the insured mortgage cap was raised to $1.5 million, and the First Home Savings Account (FHSA) can give you a powerful tax-free head start. I'll walk you through every option, every program, and every dollar available to you — so you buy with confidence, not confusion.
New to Canada
No Canadian credit history yet? That doesn't have to stop you. I work with lenders who have specific programs designed for newcomers — whether you're a permanent resident, work permit holder, or recently landed immigrant. You've worked hard to build a new life here. Let's make sure you have the right mortgage to go with it.
Moving Up
Selling and buying at the same time is one of the most stressful financial situations a homeowner can face. Timing the bridge financing, managing two transactions, and making sure you don't end up caught between two properties takes careful planning. I've helped hundreds of Ontario families navigate this successfully — and I'll make sure your move up goes smoothly from start to finish.
Bank Said No?
A declined application is not the end of the road — it's just the beginning of finding the right lender. Banks have rigid criteria that don't account for your full picture. As a mortgage broker with access to 50+ lenders including credit unions, trust companies, and private lenders, I have options your bank will never offer you. Let's talk before you give up.
What Changed in 2025 — And Why It Matters for You
The Canadian mortgage market went through significant changes in 2025 that opened new doors for buyers across Ontario. Here is what you need to know:
The insured mortgage cap was raised from $1 million to $1.5 million — meaning more buyers can now purchase with less than 20% down.
30-year amortizations are now available for first-time buyers — lowering your monthly payments and improving affordability.
The First Home Savings Account (FHSA) allows first-time buyers to save up to $40,000 tax-free toward a home purchase.
Secondary suite financing is now available up to 90% LTV — great if you are considering a home with a rental unit.
New GST/HST rebates apply to newly built homes — reducing your upfront costs on new construction.
Home Purchase Mortgage in Vaughan & Ontario
The Right Home Won't Wait — Let's Make Sure You're Ready.
Most buyers waste months looking at homes they can't afford — or worse, lose their dream home because their financing wasn't ready. In today's market, high rates and the stress test make qualifying harder than ever. But that doesn't mean your options are gone.
One honest conversation with Lucia changes everything. We look at your full picture, explore every legitimate option, and tell you exactly where you stand — so you move forward with clarity, not guesswork.