I was on the phone with a young couple from Ottawa the other day. They’re renting, they’re saving, and they’re ready to buy—but they kept coming back to the same question: "Greg, how much do we actually need to put down? And where can it come from?"
I got a call a while back from a man named Raj. He’d just landed in Toronto from India with a work permit, a job in tech, and a dream of buying a home for his family. But every time he talked to a bank, he hit the same wall: "You don't have a Canadian credit score. Come back in two years."
I had a call a few months ago from a client—let’s call her Lisa. She’d separated from her partner months ago, moved out, and thought signing off the title meant she was done. Then she tried to apply for a new mortgage for a small townhouse.
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