The GTA First-Time Buyer Journey
Purchasing your first home in the GTA is one of the most significant financial decisions of your life. The market is competitive, the process is complex, and the stakes are high. Heidi Shiraz simplifies all of it — because she handles both sides of your transaction. As a licensed Real Estate Sales Representative and licensed Mortgage Agent, she manages your property search and your mortgage under one roof.
That means no miscommunication between your realtor and mortgage broker. No duplicated paperwork. No conflicting advice. Just one trusted professional who understands your complete financial picture from day one.
🏠 Licensed Real Estate Sales Representative
Century 21 Heritage Group Ltd. — serving the GTA & York Region since 2008. ABR®, SRES®, PSA designated.
📈 Licensed Mortgage Agent
Centum Financial Group — access to multiple lenders, competitive rates, and financing solutions tailored to your situation.
Your Complete First-Time Buyer Roadmap
- Financial Assessment: Review income, credit, savings, and determine your true purchasing power
- Mortgage Pre-Approval: Shop multiple lenders through Centum Financial Group for the best rate and product
- Market Education: Understand GTA pricing trends, neighbourhood comparisons, and what to expect
- Property Search: Full MLS® access plus Heidi’s off-market network across the GTA
- Offer Preparation: Strategic, competitive offers with conditions that protect your interests
- Closing Support: Coordination with your lawyer, lender, and all parties through to possession
All Available First-Time Buyer Incentives
- First Home Savings Account (FHSA) — contribute up to $8,000/year, $40,000 lifetime, tax-free growth
- Home Buyers’ Plan (HBP) — withdraw up to $35,000 from RRSP per person ($70,000 per couple)
- First-Time Home Buyers’ Tax Credit (HBTC) — up to $1,500 back at tax time
- Ontario Land Transfer Tax Rebate — up to $4,000
- City of Toronto LTT Rebate — up to $4,475 (for Toronto purchases)
- GST/HST New Housing Rebate — for eligible new construction purchases
- CMHC Mortgage Insurance — purchase from as little as 5% down payment
Contact Heidi today for a free, no-pressure first-time buyer consultation anywhere in the GTA.
