improving access to home financing

find the right mortgage for you.

Opening the Door to Home Ownership

All your attempts to get into the market are being frustrated – prices always seem to rise long term and things like stress testing and down payment requirements still keep housing unaffordable. It is not fair and it is not sustainable.

Someone had to create a fairer way for Canadians to buy a home.

That is why we created FirstStep Financial.

FirstStep is private mortgage lender whose commitment is to lower your down payment without increasing your monthly payments and make your dream of affordable home ownership a reality now.

FirstStep is

Canada's most innovative non-bank Mortgage Lender

At FirstStep,
we believe the Canadian Mortgage system is broken.

We are not your typical mortgage provider.

Our objective is to help buyers get into ownership or investment on fair and sustainable terms, or help those who already own a home manage huge increases in variable rate mortgage payments.

We believe everyone should have access to Affordable home ownership:

Borrowers with special employment circumstances
Entrepreneurs
New Canadians
Income irregularities or lack of credit history in Canada
New Home Owners (at any age)
Investors

Real Mortgage Products For Real Canadians:

Access 90

Help with Buying a Home

Regardless of what the banks say, your 10% downpayment is enough to purchase a home up to $2m.

Agreement For Sale

Help with Buying a Home

When home ownership seems unattainable, we can help.

Alt-A Helps:

Home Buyers (AltA-80%)

Rental / Investor (Alt-A 75%)

Equity Draw (Alt-A 65%)

When traditional lending options don’t work, alternate!

Rate Relief 75

Help with Variable Rate Mortgage

Get help with your rising variable rate mortgage.

The Access90 Mortgage

Your 10% is enough.

With our Access90 Mortgage that 10 percent down payment you saved can take you much farther than you thought.

Access90 Mortgage Benefits:

Get started Today!

With the ACCESS90 Calculator:

How Much do you really need?

The Access90 mortgage empowers buyers to leverage their downpayment by only requiring 10%! Check out what your monthly payments would be based on the purchase price of your new home or the down payment amount with the Access90 Mortgage Calculator.

Disclaimer

This calculator is for illustrative purposes only. Please connect one of our mortgage specialists to find out if the Access90 mortgage is right for you.
While every effort is made to keep this tool up-to-date, FirstStep Financial does not guarantee the accuracy, reliability or completeness of any information or calculations provided by this calculator. FirstStep Financial is not be liable for loss or damage of any kind arising from the use of this tool.

Purchase Price

Down Payment

Purchase Price

Down Payment

Our Mission

To make your ownership
dreams come true

Fair

Improving Access to Home Finance

Simple

Re-Imagining the Home Buying Process

Transparent

Beyond The Mortgage

Real People, Real Stories

Hear what people are saying about home buying

Participants were not compensated for their input

“My goal is to spend no more than 50% of my monthly income on a house. I could spend more but at this stage of my life I have other financials goals. With a traditional mortgage, I can't find anything livable where I want to be!"

"My partner and I make a combined $190k/yr, but with being entrepreneurs, traditional mortgages don't work for us. We have savings, but with three kids don't want to put it all into a house."

"About 50% of my clients in the GTA 'settle' for houses that they are able to get a mortgage for. They are frustrated and feel like they're continually losing by not getting into the market."