Helping GTA First-Time Buyers Get Approved With Confidence
Free consultation — no pressure, no commitment. Let's figure out what you can afford and get you moving in the right direction.
Our Promise
Brass Mortgages was built on a simple promise: expert mortgage guidance with your goals at the centre. We combine deep financial knowledge with genuine care to help you make smart, confident decisions about your future. That's because great mortgage advice should always feel personal, honest, and empowering.
Our Services
Smart Mortgage Solutions For Every Situation
FIRST TIME HOME BUYERS
We’ll walk you through the buying process step-by-step, help you understand your true affordability, and secure a pre-approval that positions you confidently in the market.
REFINANCING &
DEBT CONSOLIDATION
Whether you’re tackling high-interest debt, planning renovations, or looking to free up monthly cash flow, we’ll evaluate your equity and structure a refinancing plan that works smarter for you.
INVESTMENT &
RENTAL PROPERTIES
From your first rental unit to a growing portfolio, we’ll help you strategize financing that aligns with your investment goals and long-term wealth plan.
SELF EMPLOYED &
BUSINESS OWNERS
Banks don’t always understand business income. We work with lenders that specialize in self employed mortgage approvals, ensuring you get access to the best rates without the hassle.
OUR 3 STEP PROCESS
CONSULTATION
Every great mortgage begins with a conversation. In our initial consultation, we take the time to understand your goals, financial situation, and long-term plans. This is where we listen, answer your questions, and outline the path forward.
01
ANALYSIS
02
Once we understand your needs, we conduct a thorough analysis of your options. We review rates, lender programs, and product structures across our network to identify the solutions that truly serve your best interests.
RECOMMENDATION
03
After completing our analysis, we present a clear and personalized recommendation. This is where we walk you through the best mortgage options for your situation, explain the features and benefits, and ensure you feel confident in the choice that aligns with your goals.
First-Time Buyer Questions, Answered
How much do I need for a down payment in the GTA?
The minimum is 5% of the first $500,000 of the price and 10% of the portion from $500,000 up to $1.5 million. Homes at $1.5 million or more need 20% down. On a $900,000 home, the minimum is $65,000.
​
Does it cost anything to work with Brass Mortgages?
For most purchases, renewals and refinances, no. The lender pays our brokerage when your mortgage funds. If a fee ever applies to your file, you will know in writing before you commit.
​
How long does a pre-approval take?
Usually 1 to 2 business days once we have your documents. Most lenders hold a pre-approved rate for 90 to 120 days while you shop.
​
Can I use my FHSA and my RRSP for the same home?
Yes. First-time buyers can withdraw their First Home Savings Account and up to $60,000 from their RRSP under the Home Buyers' Plan for the same purchase. Buying with a partner? Each of you can do both.
​
I'm self-employed. Can I still get approved?
Yes. We work with lenders who understand business income and can use your tax returns, notices of assessment and business financials to show what you really earn.
​
What closing costs should I budget for?
Most GTA buyers should plan for about $8,000 on a condo to $15,000 or more on a house, mostly land transfer tax, legal fees and adjustments. First-time buyers can get up to $4,000 back from Ontario, plus up to $4,475 more in Toronto.