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Free Guide

Everything you need to buy your first home

The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.

  • How much you can actually afford
  • Every cost beyond the purchase price
  • A step-by-step timeline from offer to closing
Download your free guide
What's Inside

A chapter for every step

Budgeting & affordability

What lenders actually look at, and how much home that really buys you.

Down payments & closing costs

Every cost beyond the purchase price, laid out line by line.

Getting pre-approved

What to have ready, and how a pre-approval actually strengthens an offer.

From offer to keys

A step-by-step timeline of what happens, and when, between an accepted offer and closing day.

A look inside

Getting started with a broker
Getting started with a broker
Choosing the right mortgage
Choosing the right mortgage
Savings programs for every buyer
Savings programs for every buyer
Why It Matters

Real answers, not just homework

This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.

  • Plain-language explanations, no jargon left unexplained
  • Local context — Ottawa land transfer tax, programs and lenders
  • Built to be read once and kept for reference through closing
Get your copy
Client Stories

Home buyers like you

“I had the great experience of using Christine as a broker for my first home! Christine was very friendly and personable from the first conversation I had with her which set the tone for the duration of the homebuying process. She was always…
AI
Adaeze I
“Christine walked us through everything we needed to know as first time home buyers. It was a great experience all around.”
AS
Amanda S
“I wanted to reach out and say thank you again for being such an incredible person to work with. You went beyond professionalism, and extended us compassion, kindness, and warmth (virtues that hold a very high value for me). I can’t…
AN
Andrea N
“Christine Earle has been the most thorough, thoughtful, and resourceful mortgage agent I have ever had the pleasure to work with. I have had a couple of mortgage situations that were not straightforward. She worked tirelessly to get me…
BM
Banny M
“We would highly recommend Christine Earle if you are looking for a mortgage broker to guide you through all aspects of the home purchase process. We found her very knowledgeable and professional in acquiring funding for our real estate…
B
Brian and Lorraine S
“Christine and her team were amazing to work with. Every time we messaged her she responded back very quickly.. Christine worked extremely hard at getting us the best rate. Very easy and comfortable to work with , we highly recommend her and…
DC
Debby C
“I had the great experience of using Christine as a broker for my first home! Christine was very friendly and personable from the first conversation I had with her which set the tone for the duration of the homebuying process. She was always very helpful and responsive, and answered my questions with a lot of detail and clarity. Thank you, Christine!”
Adaeze I
“I wanted to reach out and say thank you again for being such an incredible person to work with. You went beyond professionalism, and extended us compassion, kindness, and warmth (virtues that hold a very high value for me). I can’t express enough how much we appreciated all of your patience, explanations, and attention to detail. This search for a house has been challenging and exhausting knowing you were in our corner was an enormous comfort (you felt like a lighthouse!!).”
Andrea N
“Christine Earle has been the most thorough, thoughtful, and resourceful mortgage agent I have ever had the pleasure to work with. I have had a couple of mortgage situations that were not straightforward. She worked tirelessly to get me the best possible arrangement. I was and am so impressed. And thankful.”
Banny M
“We would highly recommend Christine Earle if you are looking for a mortgage broker to guide you through all aspects of the home purchase process. We found her very knowledgeable and professional in acquiring funding for our real estate purchase. She was very personable and put us at ease numerous times during the stressful back and forth with our financial institution. She definitely went the extra mile during our process, and we would not hesitate to use her for any future real estate ventures.”
Brian and Lorraine S
“Christine and her team were amazing to work with. Every time we messaged her she responded back very quickly.. Christine worked extremely hard at getting us the best rate. Very easy and comfortable to work with , we highly recommend her and her team will not disappoint you. Thank you again for the awesome work.”
Debby C
Ready When You Are

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