One relationship, not two handoffs
Share your goals, questions and circumstances with one person who understands both sides of your purchase.
Your first home. Your next chapter.
Your mortgage and your first home,
guided by one person.
Buying your first home has a lot of moving parts. With Meshesha Robel, your financing guidance and real estate representation come together in one relationship.
Sign up for first-time buyer guidance
A friendly starting point for your first home, from Meshesha Robel, Mortgage Agent Level 2 and REALTOR®. No account, and you can ask to be removed at any time.
A conversation, not a commitment. Start where you are.
Prefer to talk? 647-342-1355
Two credentials. One relationship.
Mortgage guidance + real estate representation
Toronto-focused guidance
Local context for your first purchase
Clarity at every step
Plain-language answers, without the pressure
Less back-and-forth. More clarity.
Your financing and your home search.
Finally, on the same page.
Why work with someone who’s both your real estate agent and your mortgage agent? Because your budget and your home search should be part of the same conversation.
A more connected buying journey
Keep financing requirements, property decisions and offer deadlines in view together, from preparation through closing.
Fewer gaps in the conversation
Less repeating yourself between professionals. Changes to your budget or search can be discussed in the same conversation.
Two distinct professional roles, with separate agreements and disclosures. You can choose separate professionals; coordinated service does not determine approval or purchase results.
Make the most of what’s available
A little help for your first big purchase.
Understand the savings programs and tax rebates that may apply to you.
First Home Savings Account
Save toward your first home with tax-deductible contributions and tax-free qualifying withdrawals.
Understand the FHSARRSP Home Buyers’ Plan
Use eligible RRSP savings for a qualifying purchase, with repayment obligations over time.
Understand the Home Buyers’ PlanOntario land transfer tax refund
Eligible first-time buyers may receive a refund of part or all of their provincial land transfer tax.
Understand the Ontario refundToronto land transfer tax rebate
Buying within the City of Toronto? A separate municipal rebate may help eligible first-time buyers.
Understand the Toronto rebateProgram details and eligibility can change. Confirm current amounts and rules with official government sources before making decisions.
From “where do I start?” to a clear plan
Your first home, step by step.
You don’t need to know everything today. You just need to know the next step.
01
Get pre-approved
Start with your financing, not just your wish list.
02
Understand your real budget
Know what feels comfortable beyond the purchase price.
03
House hunting with representation
Find a home that fits your life and your numbers.
04
Offer & closing
Make informed decisions through the final details.
The basics, without the jargon
Let’s make mortgages
feel less mysterious.
Down payments. Default insurance. The stress test. Get a clear understanding of the pieces before you make a decision.
Get to know your mortgageA little preparation goes a long way
Common mistakes.
Thoughtful ways to avoid them.
From missing closing costs to rushing an unconditional offer, learn what deserves a second look.
Read the first-time buyer checklistDon’t confuse pre-approval with final approval.
Budget for closing costs, not just the down payment.
Understand the risks before waiving conditions.
Check each program’s eligibility separately.
Your first home starts with a conversation.
Bring your questions. We’ll start with where you are, not where you think you should be.
Prefer to talk? Call 647-342-1355Good questions. Clear answers.
You’re probably wondering…
How much do I need for a down payment?
For an eligible owner-occupied purchase, the general minimum is 5% for a home priced at $500,000 or less. Below $1.5 million, a higher-priced home generally requires 5% on the first $500,000 and 10% on the remainder. At $1.5 million or more, at least 20% is generally required. Lenders, property types and borrower circumstances may require more. A down payment below 20% generally requires mortgage default insurance. Confirm current rules with the Financial Consumer Agency of Canada and your lender.
What is the First Home Savings Account?
The FHSA is a registered account for eligible first-time buyers. Eligible contributions are generally tax-deductible, and qualifying withdrawals, including investment growth, are tax-free. Annual and lifetime contribution limits, opening eligibility and withdrawal requirements apply. Confirm current rules with the Canada Revenue Agency before contributing or withdrawing.
Do I get any rebates on land transfer tax as a first-time buyer?
You may qualify for an Ontario land transfer tax refund and, if buying within the City of Toronto, a separate municipal rebate. They have their own eligibility rules and maximum amounts. Prior ownership anywhere in the world, spousal history, residency status and ownership shares can matter. Ask your lawyer to confirm eligibility and calculate the taxes still payable.
Why would I use someone who is both my realtor and my mortgage agent?
It can simplify communication: one professional understands both your financing plan and your property search. Meshesha Robel is a Mortgage Agent Level 2 with Mortgage Alliance and a REALTOR® with Sutton Group Admiral Realty, Brokerage. The roles remain distinct, with separate service terms and required disclosures. You can choose separate professionals. Coordinated service does not determine lender approval, pricing or purchase results.
How long does the process typically take?
There is no single timetable. Your readiness, documentation, lender review, available homes, offer conditions and negotiated closing date all affect the process. Some buyers need time to prepare savings and credit; others are ready to search. A consultation can help identify your next steps without promising a completion date.