Rethinking Home Affordability: A Practical Guide to Building Your Path to a First Home

Buying your first home may be difficult. That doesn’t mean it’s impossible.

Housing affordability is a real challenge, particularly for younger Canadians. But the conversation too often ends there. Today’s first-time buyers also have strategies, financial tools and different paths to ownership that previous generations didn’t necessarily have.

Rethinking Home Affordability is a free first-time home buyer guide for Greater Montreal, created by The Fischer Group for young adults thinking about homeownership—and for the parents and grandparents who want to help them get there.

Inside, we explore:

• Starting early and building savings realistically
• The difference between having a down payment and actually qualifying for a mortgage
• Today’s first-buyer tools, including the FHSA and Home Buyers’ Plan
• How buying with a partner can change the qualification equation
• When buying a plex with a friend or partner may create another path
• How parents and grandparents can help without simply writing a cheque
• The influence of consumption and social media on financial habits
• A practical planning worksheet to help turn the idea into a plan

Every path is different.

This guide isn’t a formula, and it isn’t a promise that everyone can buy a home. It’s designed to help you understand the possibilities, ask better questions and begin building a plan around your own circumstances.

Get your free copy of Rethinking Home Affordability

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