Why Richmond Hill?
Richmond Hill remains one of York Region’s most sought-after communities — excellent schools, strong transit connections, diverse housing types, and a tight-knit community feel. For first-time buyers, it offers everything from affordable condos and townhouses to detached homes in family-friendly neighbourhoods.
Heidi Shiraz has been serving Richmond Hill buyers since 2008. As both a licensed Real Estate Sales Representative and a licensed Mortgage Agent, she guides first-time buyers through the entire process — from mortgage pre-approval to closing day — without ever handing you off to someone else.
🏠 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.
Heidi’s First-Time Buyer Process
- Step 1 — Mortgage Pre-Approval: Heidi reviews your finances and connects you with the best mortgage product for your situation through Centum Financial Group
- Step 2 — Needs Assessment: Understanding your lifestyle, commute, family plans, and must-haves
- Step 3 — Property Search: Access to MLS® plus off-market and pre-list opportunities
- Step 4 — Offer Strategy: Competitive offer preparation with conditions that protect you
- Step 5 — Due Diligence: Home inspection, status certificate review, title search guidance
- Step 6 — Closing: Full support through to key day and beyond
First-Time Buyer Programs & Incentives
- First Home Savings Account (FHSA) — up to $40,000 tax-free
- Home Buyers’ Plan (HBP) — withdraw from RRSP for your down payment
- First-Time Home Buyers’ Tax Credit (HBTC)
- Ontario Land Transfer Tax Rebate — up to $4,000
- Toronto Land Transfer Tax Rebate (for purchases within Toronto)
- CMHC-insured mortgages from as little as 5% down
Not sure where to start? Contact Heidi for a free, no-pressure first-time buyer consultation — she’ll help you understand exactly what you can afford and what your next steps are.
