First-Time Home Buyer Planning
At Wealth Connections Team, we help you build a clear, realistic first-time home buyer plan, then connect you with the right licensed professionals to bring that plan to life.
Who Our First-Time Home Buyer Planning Is For
01. New to Home buying
You’re a first-time home buyer in Canada and aren’t sure where to start or what the process actually looks like.
04. Prefer Strategy First
You want an independent strategy conversation first, instead of jumping straight into product pitches or applications.
05. Want Plain Explanation
You’d like someone to explain your options in clear, simple language so you can make confident decisions.
02. Unsure You Qualify
You’re worried your down payment, income, or credit may not be “good enough” and want to know what’s realistically possible.
03. Heard “Not Yet”
You’ve been told “not yet” by a bank or lender and want to understand what it would take to get to “yes.”
06. Need a Timeline
You want a realistic path and timeline to buying your first home, not vague advice or generic calculators.
How Our First-Time Home Buyer Planning Works
From Confused to Clear in Three Steps
Step 1: Free Discovery Call
We start with a complimentary discovery call to understand your situation:
- Where you are now (income, debts, credit basics, savings).
- What you want (type of home, budget, timing).
- What’s getting in the way (down payment, credit score, self-employment, past credit issues, etc.).
From there, we advise which strategy (or combination of strategies) makes the most sense.
Step 2: Custom First-Time Home Buyer Plan
Next, we help you build a tailored first-time home buyer plan that may include:
- A realistic home price range and timeline.
- Steps to improve credit and lending credibility.
- Specific actions to become down-payment ready faster.
- Whether rent-to-own or joint-venture purchasing might be appropriate in your situation.
Step 3: Connecting You With the Right Professionals
Once your plan is clear, we help connect you to licensed professionals in our network—such as mortgage specialists, lenders, or rent-to-own providers—who can help implement the strategy.
We stay in the background as your strategy and coordination team, while licensed experts handle product recommendations and applications.
Why Work With Wealth Connections Team First?
Most first-time buyers start with a bank or a mortgage broker. The challenge is that every conversation can feel like a sales pitch, and it’s hard to know if you’re seeing the full picture.
Our goal is simple: help you move from confusion and “maybe someday” to a clear plan and a timeline you can believe in.
Debt Reviewed
Families Guided
Mortgages & Financing Advised
Years of Combined Experience
Real Stories from Families We’ve Helped
I felt overwhelmed trying to figure out what I needed to buy my first home. A friend recommended I reach out to Wealth Connections Team. They introduced me to a financial professional who walked me through every step of the planning process. This saved me so much time and I’m pretty sure I would still be renting if it wasn’t for them. I would definitely recommend this company if you’re trying to figure out how to buy your first property.
Sarah M.
Toronto, ON
We called Wealth Connections Team to try to figure out what to do about our debt. We felt like we were drowning and had no clear plan on what to do. Everyone out there kept giving us contradicting advice and everything felt so salesy. We are so glad we took this route instead. We got connected to a lady who took the time to understand us without rushing us or making us feel bad about the situation. She walked us through all the options and gave us the benefits and drawbacks of each one. This is the only company that truly walked us through something that made sense, and now we are saving money and are on the right track.
Mark & Julia R
Kitchener, ON
Running a growing business, I didn’t have time to figure out financing options. Through Wealth Connections Team, I was matched with a lending expert who helped me access private funding to expand my operations. This was a really good experience. I would recommend them to anyone who is looking to expand their growing business.
Daniel T.
Sudbury, ON
I am new to Canada and was recommended to Wealth Connections Team through a newcomer program in Toronto. I had no idea where to start with my money plan and kept getting declined for credit. They put me in touch with a financial consultant that helped at no cost. She guided me on getting my credit built up, connected me to companies that would set up a credit card for me. Thank you for everything.
Priya K.
Mississauga, ON
A family member suggested I reach out to this company when I received a small inheritance. At first, I just put the money in the bank and thought nothing of it, but my family insisted I needed to do more than that. I met this lady through them who taught me so much about investments, and retirement planning. I got so much value without paying her a penny, and I feel so much smarter about this topic now. I would recommend this service to anyone like me.
Robert H.
Calgary, AB
I’ve been a realtor in the GTA for over 12 years. Wealth Connections Team gives my clients a fair chance at buying a home. In the past few years I’ve had many buyers come to me without pre-approvals that had financial issues I couldn’t guide them through fixing myself. This team looks after my clients without any judgement and helps them with a plan. It’s not a perfect fix, but I’ve had clients come back to me, ready to find their home much faster than if they didn’t use their services.
Angela H.
Etobicoke, ON
What Happens After Your Plan Is in Place?
Once your first-time home buyer planning is complete, you’ll know
What you can realistically aim for
The type of home that fits your situation, an approximate price range, and a time frame that actually makes sense for you. You will have a clearer picture of what is truly within reach rather than guessing based on online calculators or other people’s experiences.
Which strategy fits you best
Whether a traditional purchase, rent-to-own, joint venture, or a blended approach is most suitable for your goals and finances. You will understand why that strategy was recommended and what the trade-offs are for each option.
The next professional to talk to
Exactly who you should speak with next, such as a mortgage specialist, lender, rent-to-own provider, or another licensed professional. You will also know what questions to ask so that those conversations feel focused and productive, not confusing.
What to work on next
he specific action items that will move you closer to being ready to buy. This can include improving credit, restructuring debts, building savings, gathering documentation, or preparing for pre-approval. You leave with a simple checklist rather than a vague “come back later.”
And you are not left on your own. We stay as a point of contact as you move forward and start working with partners in our network.
Ready to Talk About Your First Home?
You don’t have to figure this out alone, or feel like every conversation is a sales pitch.
Call us at (226) 210-2868 or click below to book your free first-time home buyer discovery call.
First-Time Home Buyer Planning FAQs
We help you understand your options, build a step-by-step first-time home buyer plan, and then connect you with licensed professionals (like mortgage specialists or rent-to-own providers) who can implement the strategies. We focus on strategy and education—not selling a specific mortgage or investment.
No. We are not a bank or brokerage and we do not lend money. We’re a financial strategy and referral network. Our role is to help you make sense of the options and then introduce you to trusted partners who are licensed to provide and implement products.
No. The initial discovery call is free. It’s designed to help you understand where you stand, which strategy fits best (traditional purchase, rent-to-own, joint venture, etc.), and what next steps make sense—before committing to anything.
Yes. Many first-time home buyers start with debt, credit issues, or limited savings. Our job is not to judge; it’s to understand your situation and help you move toward a better one. We specialize in helping families who feel overwhelmed and don’t know where to start.
We’re based in Cambridge, Ontario, but we work with families in multiple parts of Canada through our network of partners, depending on licensing and program availability. On your discovery call, we’ll confirm what options apply in your province.
No. Specific mortgage product recommendations and rate discussions must be handled by a licensed mortgage broker, lender, or advisor. We focus on helping you understand your options and connecting you to qualified professionals who can provide that regulated advice.
It depends on your starting point. Some clients discover they’re closer than they thought, while others need more time to build credit, restructure debts, or save a down payment. Our planning process is designed to give you a clear timeline and milestones, so you know what to work on and what to expect along the way.
That’s okay. There is no obligation to move ahead with any professional or program. You can use your first-time home buyer plan as a roadmap and reach out when you’re ready. We’re here to help when the timing is right for you.