First Time Home Buyer Mortgages

Expert Guidance, Better Rates, Zero Hassle — At No Cost to You

Buying your first home is a major milestone — and it should feel exciting, not overwhelming. At MyPlace Mortgages, we help first-time buyers across the Kootenays navigate the mortgage process with confidence, speed, and support from start to finish.

Mortgage Signing

Andrew Ladriere makes the process simple and stress-free — and we work hard to get your deal done, so you can focus on finding the perfect home.

Why First-Time Buyers Choose MyPlace

  • ✓ More choice: We compare over 60 top lenders to find the best fit
  • ✓ Better rates: Negotiated on your behalf
  • ✓ Faster approvals: So you don’t miss out in a competitive market
  • ✓ Expert advice: Tailored to your goals and lifestyle
  • ✓ Flexible service: Evenings, weekends, online or in-person
  • ✓ No cost to you: Our service is completely free; we’re paid by the lender

What to Expect

Know Your Budget: We’ll calculate how much you can comfortably afford, so you can shop with clarity and confidence.

Lock in a Rate: We can secure your rate for up to 120 days while you search — and if rates drop, you still get the lower one.

Down Payment Basics

  • 5% on the first $500,000
  • 10% on the portion between $500,000 and $1.5 million
  • 20% minimum on homes over $1.5 million

If your down payment is under 20%, mortgage insurance applies — we’ll walk you through how that affects your overall cost and monthly payments.

Easy Documentation

We’ll help you quickly gather the documents lenders need — like income confirmation, down payment proof, or a gift letter — with no guesswork.

Ready to Get Started?

Let’s make your first home happen. Contact us today!

Get help from a Mortgage Expert

Our calculators can help you get a great idea of where you're at and we're here to help when you're ready!