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A down payment is the difference between your home’s purchase price and the amount of the mortgage against the property. The down payment must be paid upfront before your Toronto home purchase can close.
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Land Transfer Tax(or LTT) is based on the selling price of the house, and is applied whenever a property is transferred from one owner to another. If you are a first time home buyer in Toronto, Mortgage Genie is here to help assist you in getting rebates!
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CMHC(Canadian Mortgage and Housing Corporation) has a mission to help Canadians access a variety of affordable housing options.
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This is linked to the max purchase price you can qualify for when buying your Toronto home.
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Mortgage affordability is the amount you can make on a monthly basis towards a mortgage. This is based on your income, expenses, and the proposed monthly payment.