08/14/2025
How my clients received $8,000 before buying their first home — and are on track for another $6,000+
This plan started over two years ago. I’m so glad to share how I helped my clients not just get approved for a mortgage, but actually maximize their savings and financial benefits along the way.
1. Credit Ready: Boosted their credit score and cleared debts for easier mortgage approval.
2. Smart Savings:
Last year: $8,000 each into FHSA → $6,000+ refund this year.
This year: Refund + $11,000 from TFSA (originally $9,000 + $2,000 returns) reinvested into FHSA.
Next year: FHSA contribution expected to generate another $6,000+ → for Welcome Tax or Emergency Funds, something many new homeowners don’t have
3. Mortgage Practice: Saved for 2 years like paying their mortgage — no surprises at closing or when monthly payments started.
4. Approval Made Easier: Strong credit, complete documents, stable employment → smooth approval.
5. Right Realtor: Partnered with a trusted realtor to find a home that fit their goals.
Every step works for them — before, during, and after they got the keys.
‼This exact plan may not fit everyone, but I can create a strategy tailored to your situation.