Olga  Timofeeva

Olga Timofeeva

Sales Representative

International Realty Firm, Inc, Brokerage

Email Me

Thinking to buy your first home but struggling to save money for down payment? ZERO downpayment program is available.

In the post-pandemic period price of real estate grows at an unprecedented pace. Rising housing prices have pushed the dream of homeownership out of reach for many young Canadians. Only for this year freehold low-rise properties have gained 20% and up and entry-level condos above 15% of value. In these circumstances, it’s getting harder and harder to save even 5% of the purchase price to obtain a mortgage and become a homeowner.

Great news! We were able to put together a team of specialists who can get you approved for a mortgage even if you have ZERO of your own money.

The program has strict qualifying criteria and works when you can meet the following conditions:

  1. All applicants must be FIRST TIME BUYERS and have a credit score of 650 or higher. Here is a link to the Equifax website:

View Your Equifax Credit Report | Equifax Canada

      2. Your combined household income has to exceed $120000 and  you have been with the same employer(s) for at least 2 years

      3. You can find a house that will cost no more than 4.5X your gross annual household taxable income (which can include CCTBs and income from an immediate family member co-signor)

If you meet all the criteria, here are the next steps:

Step 1: You’ll meet our mortgage specialist who assesses your financial situation in detail and provide you with an application form and a list of all documents required.

Step 2: Within 10 to 30 days after approval the down payment loan will be advanced to your bank account.

Step 3: The most exciting part of this journey – home hunting. We’ll help you to find the property that fits your approved budget and needs and wants, prepare, and negotiate offers, look after all conditions and closing details.

Step 4: Congratulations! You’ve purchased your first HOME!

If you are thinking to buy your first home, act now. The longer you wait, the higher real estate prices climb! Don’t miss the opportunity to stop paying your landlord mortgage and start to build your own equity!

Call email or text me today! I am always available to talk and answer all your questions.


Olga Timofeeva: Sales Representative

Buying and Selling Specialist

International Realty Firm, Inc.

c: 647.393.9000

o: 647.313.3400


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