Buy your home
with Canada's best rate
Get pre-approved in minutes, stack FHSA + RRSP programs, and close in as little as 21 days. We shop 30+ lenders to find your best fit.
5%
Min down payment (CMHC)
$75K
FHSA + HBP combined max
21
Average days to close
4.9★
Client satisfaction
How buying a home works
Simple, transparent, and built around you.
Get pre-approved
Answer a few quick questions and get a pre-approval letter in minutes. No hard credit pull until you're ready.
10 minShop with confidence
Your pre-approval shows sellers you're serious. Make competitive offers backed by real buying power.
At your paceLock your rate
Found your home? Lock your rate for up to 120 days while conditions are met and closing is arranged.
Up to 120 daysClose & move in
We handle underwriting, appraisal, and title. You handle packing. Average close time is 21 days.
Avg. 21 daysWhich mortgage is right for you?
Every Canadian buyer is different. We'll match you with the program that fits your down payment, credit, and goals.
Conventional Mortgage
With 20% or more down, you avoid CMHC mortgage insurance entirely. Enjoy the best available rates, flexible terms, and no insurance premium added to your balance.
Best Rate
4.19%
Down Payment
20%+
Min. Credit
620+
- No CMHC mortgage insurance required
- Access to best monoline & bank rates
- Flexible amortization up to 30 years
- Maximum borrowing power
Canadian Buyer Incentives
Stack government programs to buy sooner
Most buyers qualify for multiple programs. Combined, they can add up to $75,000+ toward your down payment.
First Home Savings Account (FHSA)
Contribute up to $8,000/year tax-free. Contributions are deductible, and withdrawals for a qualifying home purchase are tax-free.
Canada Revenue Agency programHome Buyers' Plan (HBP)
Withdraw up to $35,000 from your RRSP tax-free for a qualifying home purchase. Repay over 15 years after a 2-year grace period.
Canada Revenue Agency programLand Transfer Tax Rebate
First-time buyers in Ontario receive up to $4,000 rebate on provincial land transfer tax. Toronto adds a municipal rebate of up to $4,475.
Province / municipality specificFirst-Time Home Buyers' Tax Credit
Claim a $10,000 non-refundable tax credit on your federal return in the year you buy, worth up to $1,500 in actual tax savings.
Federal tax creditCan I use FHSA + HBP together?
Yes — you can combine both programs. That's up to $40,000 from your FHSA (tax-free) + $35,000 from your RRSP via the Home Buyers' Plan = $75,000 in combined tax-advantaged funds toward your down payment. Our advisors will walk you through how to maximize both.
NEW: Save up to $130,000 — GST/HST removed on new homes
The federal government eliminated the 5% GST on new homes for first-time buyers (max $50K). Ontario went further — removing the full 13% HST for all buyers on new homes up to $1M until March 31, 2027.
$50K
Federal GST rebate
First-time buyers ≤$1M
$130K
Ontario HST rebate
All buyers, until Mar 2027
2031
Federal program end
Sign before Dec 31, 2030
Buying your first home? Our dedicated guide covers FHSA + HBP sequencing strategy, eligibility rules, and every provincial rebate available to first-time buyers in Ontario.
CMHC Insurance
See your CMHC premium instantly
When you put down less than 20%, CMHC adds an insurance premium to your mortgage. It's not paid upfront — it's rolled into your balance. Use the calculator to see what applies to you.
Want the full CMHC breakdown? Our dedicated tool shows tier comparisons, provincial tax, and exactly how much more to put down to drop a tier.
Broker vs. Big Bank
Why Greenhouse beats going to your bank
A mortgage broker shops your deal across dozens of lenders — at no cost to you. Your bank only ever offers one product. Here's how it plays out in practice.
0.5%
Avg. rate savings vs. big banks
30+
Lenders in our network
$0
Cost to you — always free
21d
Average days to close
Same application — more options
One application with Greenhouse reaches 30+ lenders simultaneously with a single soft credit pull. Your bank requires a separate hard pull for every institution you apply to.
Real buyers. Real results.
"Used my FHSA and RRSP together — I didn't realize how much I had saved up until our advisor walked me through it. We put 15% down on a semi in Etobicoke. Closed in 18 days."
Marcus T.
Toronto, ON
"Vancouver is expensive, but the team found us a great 5-yr fixed with a monoline lender we'd never heard of — 0.5% lower than what TD quoted us. That's real money saved."
Priya & Rohan K.
Vancouver, BC
"I was two years out of a consumer proposal and didn't think I'd qualify anywhere. They got me a private bridge for 9 months, then moved me to a conventional at renewal. Exactly as planned."
Sarah L.
Calgary, AB
About Greenhouse Mortgage
Ontario's Home Purchase Mortgage Specialists
Greenhouse Mortgage Services Inc. is a licensed Ontario mortgage brokerage (FSRA Brokerage Licence #13468) headquartered in Burlington, ON. We specialize in helping Ontario homebuyers — from first-time buyers to experienced investors — navigate Canada's mortgage market and secure the best available rate across 30+ lenders.
Unlike a bank mortgage specialist who represents a single institution, our licensed brokers have access to the full Canadian mortgage market: major banks (TD, RBC, BMO, Scotiabank, CIBC), credit unions, monoline lenders (First National, MCAP, Merix), and alternative lenders (Equitable Bank, Home Trust). This means we can find the right product for every buyer — whether you're purchasing with 5% down through CMHC, buying a $1.5M property with 20% down, or using your FHSA and RRSP together for maximum down payment power.
Our service is completely free to homebuyers. Mortgage brokers are compensated by the lender who receives your business — you get access to 30+ lenders and expert guidance at no cost. We respond to all consultation requests within 2 business hours and can typically provide a pre-approval within 24 hours of receiving your documentation.
Service Areas
Serving Homebuyers Across Ontario
While our office is located in Burlington, ON, we serve homebuyers and homeowners across the entire province of Ontario — and in many cases, across Canada. Our licensed brokers work remotely with clients in every Ontario market, from the Greater Toronto Area to Ottawa, London, Kitchener-Waterloo, and beyond.
Greenhouse Mortgage Services Inc. · FSRA Brokerage Licence #13468 · 5500 North Service Road, Suite 300, Burlington, ON L7L 6W6 · (647) 775-0809 · info@greenhousemortgage.ca
Ready to find your home in Canada?
We shop 30+ lenders to find you the best rate. Get pre-approved today — it only takes 10 minutes and won't affect your credit score.