04/30/2026
🏡Thinking about buying your first home in Halton Hills?
Here’s something most first-time buyers don’t know —
You don’t need a 20% down payment to get into the market. 👀
In Canada, the minimum down payment is:
• 5% on the first $500,000
• 10% on anything above that up to $1.5M
• 20% is required for homes over $1.5M
If your down payment is under 20%, mortgage insurance will apply.
There are also programs designed to help first-time buyers get there faster — including the FHSA (First Home Savings Account) and the RRSP Home Buyers’ Plan.
Here’s what you actually need to get started:
✅ A stable, provable income
✅ A credit score of 600+ (680+ for stronger approvals)
✅ Your down payment saved
✅ A pre-approval from your lender
You don’t need to have it all figured out before you reach out. That’s exactly what I’m here for.
If buying your first home in Georgetown, Acton, Rockwood or Milton has been on your mind — let’s have a free, no-pressure conversation and map out exactly what it would take to get you there.
Drop a 🏡 in the comments if homeownership is your goal — or DM me and let’s talk.
📲 Charmaine Attard | Red Apple Real Estate Inc., Brokerage 🍎
Your Halton Hills Neighbour & Realtor
***Always consult a licensed mortgage broker for advice specific to your situation.***
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