Brass Mortgages

Brass Mortgages Helping Canadians find clarity and confidence in home financing. Pre-approvals, refinancing, and mortgage solutions made simple.

Most first-time buyers focus on the down payment.But the down payment is not the only cash you need before closing.For a...
05/31/2026

Most first-time buyers focus on the down payment.

But the down payment is not the only cash you need before closing.

For a $750,000 condo in Toronto, closing costs could be around $18,500 in this example once you include land transfer tax, legal fees, adjustments, moving, insurance, and setup costs.

The exact number depends on the property and your situation, but this is why you want the full cash-needed breakdown before you start shopping.

DM START and I’ll send you my first-time buyer checklist.



Niv | Brass Mortgages | GTA First-Time Buyer Specialist

A lot of first-time buyers ask some version of this:“I have $75,000 saved. Can I buy in the GTA?”The answer depends on h...
05/28/2026

A lot of first-time buyers ask some version of this:

“I have $75,000 saved. Can I buy in the GTA?”

The answer depends on how that money fits into the full picture.

Your savings are not just for the down payment.

You also need to think about closing costs, which can include land transfer tax, legal fees, title insurance, and other closing items. You also want to avoid moving into your first home with your bank account completely empty.

For example, on a $650,000 condo, the minimum down payment is about $40,000. But that does not mean $40,000 is all you need to buy.

The better question is:

“What is my real buying budget once down payment, closing costs, cash buffer, income, credit, and debt are all reviewed together?”

Every file is different, and approval depends on lender review, qualification, property details, and conditions.

Questions? DM me or visit brassmortgages.ca | Niv Bass, Mortgage Agent | FSRA | BRX Mortgage FSRA #13463

Before you start scrolling listings, make sure you understand what actually affects your mortgage approval.Your income m...
05/26/2026

Before you start scrolling listings, make sure you understand what actually affects your mortgage approval.

Your income matters.
But so do your debts, credit, down payment, closing costs, and monthly comfort level.

A good first step is not guessing.
It is getting clear before you fall in love with a home.

DM me START and I’ll send you my first-time buyer checklist.

Niv | Brass Mortgages | GTA First-Time Buyer Specialist

I had a call yesterday with someone who's been "waiting for the right time" to buy in the GTA for 3 years now.They've pa...
05/23/2026

I had a call yesterday with someone who's been "waiting for the right time" to buy in the GTA for 3 years now.

They've paid about $75,000 in rent during that time. And here's the thing, the market is actually more affordable now than it was when they started waiting. Prices are lower, rates have come down, and there's more inventory than we've seen in years.

They waited for the perfect conditions. The perfect conditions showed up. And they're still waiting.
Here's what waiting actually costs you, it's not always about purchase price. It's $75,000 in rent paid to someone else's mortgage. It's equity you're not building. It's years of ownership you're not accumulating.

The GTA market right now is genuinely one of the better entry points we've seen in a long time for first-time buyers. Less competition, more negotiating power, and rates that are a far cry from the highs of 2023.

If you have steady income, some savings, and decent credit, you might be closer than you think.

Ready to see what you actually qualify for instead of guessing? Let's run your real numbers.

Questions? DM me or visit brassmortgages.ca
| Niv Bass, Mortgage Agent | FSRA | BRX Mortgage FSRA #13463

Buying your first home is exciting, but it can also come with avoidable mistakes that cost buyers time, stress, and mone...
11/26/2025

Buying your first home is exciting, but it can also come with avoidable mistakes that cost buyers time, stress, and money.

I put together a simple carousel highlighting the 5 most common first-time buyer mistakes I see and how you can avoid them.

If you're planning to buy soon (or want to prepare for the future), this will help you start the process with confidence.

➡️ Swipe through the tips
📩 Message me anytime with questions
🌐 brassmortgages.ca

—
Niv Bass, Mortgage Agent (Lic )
Brokerage Breezeful Inc • Lic #13470

11/20/2025

🎉 Exciting news! My brand new Brass Mortgages website is officially live!

Whether you’re renewing your mortgage, refinancing, buying a home, or simply exploring your options, this site has tools and resources to help you make informed decisions.

Take a look here:
👉 brassmortgages.ca

🎉 Welcome to Brass Mortgages!I’m Niv Bass, Licensed Mortgage Agent Level 1 (M25002527) under Breezeful Inc. (FSRA #1347...
11/18/2025

🎉 Welcome to Brass Mortgages!
I’m Niv Bass, Licensed Mortgage Agent Level 1 (M25002527) under Breezeful Inc. (FSRA #13470).

This page is where I’ll share mortgage tips, rate updates, and helpful insights for anyone buying, renewing, or refinancing in Ontario.

If you’re exploring your mortgage options, I offer free, no-obligation discovery calls to help you find the right path.

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Toronto, ON

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Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 11am - 4am
Sunday 11am - 4pm

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+16477857937

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