top of page
down payment rules 2026
2026 First-Time Home Buyer Mortgage Guide for the GTA, Hamilton–Niagara, and Southwestern Ontario
Planning to buy your first home in the GTA, Hamilton–Niagara, or Southwestern Ontario in 2026? This guide covers Ontario's updated down payment rules, mortgage pre-approval steps, fixed vs. variable rate strategy, and region-specific advice for Toronto, Hamilton, Guelph, Kitchener–Waterloo, and London. Start your mortgage plan the right way — before you start viewing homes.
Cornell Haynes
8 hours ago8 min read
bottom of page