Purchase Mortgage

Our Services – Purchase Mortgage

Whether you're upgrading to a new home, downsizing, or relocating, a purchase mortgage is the loan that helps you finance that next chapter. At Anton Mortgage, we make sure your mortgage works for your life—not the other way around.

We help you compare lenders, negotiate competitive rates, and align your financing with your short- and long-term goals.

What is a Purchase Mortgage?

A purchase mortgage is the financing you secure when buying a residential property. It covers the gap between your down payment and the home’s total purchase price.

With Anton Mortgage, you get more than a loan—you get clarity on what you can afford, insight on the best rate structures, and support from offer to closing.

Key Benefits of a Purchase Mortgage with Anton

Rate Access Across Lenders:
We compare banks, credit unions, and alternative lenders to find the best terms for your situation.

Flexible Down Payment Options:
Use personal savings, RRSP withdrawals (under the Home Buyers’ Plan), or gifted funds. We guide you through the documentation and eligibility.

Tailored Mortgage Structures:
Choose between fixed or variable, open or closed terms—based on your income stability, risk tolerance, and timeline.

Pre-Approval Support:
Lock in a competitive rate for up to 120 days while you shop with confidence.

Common Questions About Purchase Mortgages

How much do I need for a down payment?

• 5% for homes up to $500,000

• 5% on the first $500,000 + 10% on the portion up to $1,000,000

• 20% minimum for homes over $1,000,000
  We’ll walk you through what this means for your purchase budget.

What are the extra costs when buying a home?
Beyond your down payment, expect closing costs such as:

• Legal fees and disbursements

• Home inspection

• Appraisal (if required)

• Title insurance

• Land transfer tax (minus any applicable rebates)

We help you budget accurately—no surprises.

What is a pre-approval, and should I get one?
A pre-approval gives you a rate hold and an idea of what you can afford. It strengthens your offer when bidding and gives you negotiating power. We offer quick, obligation-free pre-approvals.

Can I get a mortgage if I’m self-employed or have non-traditional income?
Yes, but it requires stronger documentation. We specialize in alternative income scenarios—bank statements, NOAs, or stated income programs with the right lenders.

How Anton Mortgage Simplifies the Purchase Process

Independent Advice:
We work for you, not the lender. That means our recommendations are always in your best interest.

End-to-End Guidance:
From pre-approval to move-in day, we manage paperwork, lender communications, and timelines—so you don’t have to.

Strategic Structuring:
We help you decide whether to put more down, reduce amortization, or explore hybrid options depending on your long-term goals.

Transparent Communication:
We break down every cost, every term, and every “what if” scenario—clearly and honestly.

Looking to buy your next home?
Book a free consultation with Anton Mortgage and make a smarter move—financially and strategically.