Your first home starts here.

Buying for the first time in Halifax? I make the mortgage part simple, honest and a lot less scary.

Book a call Your first home in 5 steps

Jess Tran, mortgage associate in Halifax, laughing

Licence MA-2025-0412
Halifax, NS
English Tiếng Việt

Your first home in 5 steps

Tick off what you’ve done. It stays on this page: nothing is saved or sent.

Check your credit Get your free credit report and fix anything that looks wrong. Pay every bill on time from here on.
Save your down payment At least 5% of the price. A First Home Savings Account or the Home Buyers’ Plan can help you get there faster.
Get pre-approved We look at your budget together and lock a rate while you shop, so you know exactly what you can offer.
Find your place Work with a realtor you like, and make your offer with a financing condition so you’re protected.
Close and move in Budget for closing costs, including deed transfer tax and your lawyer. Then it’s keys and pizza on the floor.

That’s everything. You’re ready for the next step.

Book a call

What would the payment be?

Indicative, not a lender decision or a pre-approval. Fixed rate, compounded semi-annually; mortgage insurance and taxes not included.

Moving boxes and a potted plant in a sunny empty room

Purchase price

Down payment

Interest rate (%)

Amortization (years)

An example rate. Enter the one you’ve been quoted.

Estimated monthly payment

$2,300

Mortgage amount $403,750

Hi, I’m Jess. I bought my first place two years ago.

So I remember every confusing word and every late-night worry. I explain things in plain English or Vietnamese, answer texts the same day, and never rush you.

Brokerage: Harbourline Mortgage Co.
Based in: Halifax, NS

First-time buyers, in their words

Jess made us feel like the only clients she had. Every question, even the silly ones, got a real answer.

Sample clients P. and A. First condo in the North End. Shared with consent.
I’m self-employed and thought nobody would lend to me. Jess found a way and explained it step by step.

Sample client R. First home in Dartmouth. Shared with consent.
The checklist kept me sane. We closed on time and I actually understood what I signed.

Sample client T. First townhouse in Bedford. Shared with consent.

Questions clients ask

How much do I need for a down payment?

At least 5% of the price on most first homes, and more on the part above $500,000. With less than 20% down you’ll also pay mortgage insurance, which is added to the mortgage.

What is a pre-approval, and do I need one?

It’s a lender’s first look at your file, with a rate held for a few months. It tells you your budget and makes your offers stronger.

What are closing costs?

The extra costs on closing day: deed transfer tax, your lawyer and title insurance, among others. Plan for roughly 1.5% to 4% of the price.

What do you charge?

On most residential mortgages the lender pays the brokerage, so there’s no fee to you. If a file ever needs a fee, you’ll see it in writing first.

Your documents, sent securely in minutes

Upload everything from your phone or computer. It goes straight to Jess’s secure document storage in Canada, with a checklist made for your situation.

Tell us a little about you and your plans
See exactly which documents your situation needs
Upload them, and you’re done

No account to create
Works on your phone
Stored in Canada

Sample site: on a live site, the secure upload form opens right here.

Let’s get you home.

A 20-minute call, no forms first. Bring your questions, even the ones you think are silly.

Book a call Send your documents securely

Phone: 902-555-0129
Email: jess@harbourline.example

Jess Tran reading a document at her desk