Fixed vs Variable Mortgage in Ontario — How to Choose in 2026
The fixed vs variable mortgage question is one of the most common decisions first-time buyers face — and one of the most misunderstood. Most people frame it as a prediction game: which rate will be lower over my term? But that’s only part of the picture. The right answer depends on your income stability, your […]
What Is the First Home Savings Account and Should You Open One Before You Buy?
The First Home Savings Account (FHSA) is the most tax-efficient savings tool available to first-time buyers in Canada right now. Most people have heard of it. Far fewer have opened one — and even fewer understand exactly how it works. This article explains what the FHSA is, how much you can put in, what happens […]
First-Time Home Buyer Closing Costs in Ontario — What You Actually Owe
Most first-time buyers spend months saving their down payment — then get their lawyer’s Statement of Adjustments two weeks before closing and discover they owe thousands more than they budgeted. It happens constantly. Not because the costs are hidden, but because nobody walked them through the full picture before they made an offer. This guide […]
The First-Time Home Buyer’s Complete Guide to Buying in Ontario (2026)
Written by Gaurang Shah, Real Estate Broker | Shah Team, Royal LePage Flower City Serving Toronto, Brampton, Mississauga, and the GTA ⏱ Estimated Read Time: 11 minutes Most people come to me after spending six months researching online and still not feeling ready. They’ve read the articles. They’ve run the numbers. They’re saving. But […]
