Free Guide
Everything you need to buy your first home
The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.
- How much you can actually afford
- Every cost beyond the purchase price
- A step-by-step timeline from offer to closing
What's Inside
A chapter for every step
Budgeting & affordability
What lenders actually look at, and how much home that really buys you.
Down payments & closing costs
Every cost beyond the purchase price, laid out line by line.
Getting pre-approved
What to have ready, and how a pre-approval actually strengthens an offer.
From offer to keys
A step-by-step timeline of what happens, and when, between an accepted offer and closing day.
A look inside
Why It Matters
Real answers, not just homework
This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.
- Plain-language explanations, no jargon left unexplained
- Local context — Ottawa land transfer tax, programs and lenders
- Built to be read once and kept for reference through closing
Client Stories
Home buyers like you
“I'm a very lucky to have met Sam and tough dealt with him. We are just preparing to move into our forever home and this is the third time we use Sam and his company. Really made us feel like a priority always.. Thank you Sam”
AI
Anwar I
“Excellent service, good job, found the best deal for my family!”
BA
Bader A
“Very professional honest”
CG
Charbel G
“I'd like to thank my mortgage broker Sam Himyary - Ottawa Top Mortgages who always comes through! If you are looking for a great broker, look no further, give Sam a call, he makes it happen!👌👏🙌🙏”
CA
Cindy A
“Thanks to Sam, our first mortgage went smooth and worry-free, with lowest rate that we known. Highly recommend this team!”
DM
Darya M
“Thank you Sam! You made the experience hassle free and smooth. Much appreciated.”
DG
David G.
Ready When You Are
Talk to a broker about your next move
Download the Home Buyer's Guide to start discovering mortgage tips.