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New Home Purchase Mortgage

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Get Approved For A Home Purchase Mortgage In Minutes!

Purchasing a home can often seem stressful and overwhelming but it doesn’t have to be. If you are a first time home buyer, the Canadian government has tax credits and rebates that can help you save on closing costs. The first is a First-time Home Buyers’ Tax Credit which allows you to retrieve some of the closing costs associated with a purchase, like inspections and legal fees. The second is a Land Transfer Tax Rebate that permits first time buyers to recover a percentage of the land transfer tax paid on their house. This applies only to Canadians living in Ontario, British Columbia and Prince Edward Island. Certain homeowners in the City of Toronto are eligible to receive an additional rebate as well. 

As a seasoned home buyer, you may not be eligible for some of these government programs, but that doesn’t mean you can’t keep your buying costs low. A great option for all buyers is to apply for a mortgage pre-approval before purchasing a home. Refer to our mortgage pre-approval checklist to better understand what documentation you should prepare before applying.

Getting pre-approved will help you understand how much you can spend on your new home and allow you to lock in a great rate for up to 120 days (4 months)! Once your rate is secure, you will be able to avoid rising rates and focus on finding your perfect home. And if the interest rates decrease before you buy your new home, then you can always re-qualify for the lower rate.

Learn More

At Clover Mortgage, it is our goal to match you with an experienced Mortgage Broker who will be dedicated to finding the best mortgage rate and term for you. Our mortgage expert Mortgage Agent work closely with each individual to make sure their financial goals are being met.

Our priority is to provide you with the best service in the industry, and the highest level of comfort and trust throughout the mortgage process. Our Mortgage Agents will provide you with honest and unbiased guidance and advice, while educating you on the various mortgage options that are available on the market. We do not rest until you are 100% satisfied with your mortgage and are in the home you love!

Land Transfer Tax Calculator

Our Clover Mortgage Land Transfer Tax Calculator works for calculating Ontario's land transfer tax, Toronto's land transfer tax, British Columbia's land transfer tax, and the land transfer tax in Alberta.

Calculator title

Enter the price of the home you're interested
Land Transfer Tax:
$ 0
Provincial:
$ 0
Municipal:
$ 0
Rebate:
$ 0

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Call Us Today at 416-674-6222 or Toll Free at 1-800-673-2230 for a Free No-Obligation Mortgage consultation.

Why Work With Us

Low Rates

*Rates start as low as 3.87%

Fast Service

We pride ourselves on quick, easy & honest service. Our clients always come first.

Bad Credit

We specialize in dealing with bad credit & bank declines. We turn a “no” into a “YES!”

Easy Application

*No credit checks. No complicated application and no income required!

Our Customers Love Us

Sandra F.
Sandra F.
I was in debt and needed help getting back on track. My mortgage agent at Clover Mortgage helped me get approved for a home equity loan to consolidate all of my debt in one small monthly payment. Now I’m saving over $1,000 a month in interest and am left with less debt and more money in my pocket at the end of each month. Thank you Clover!
David J.
David J.
I'm a self employed independent contractor. I earn a decent income, but when I went to the bank to refinance my home, they denied my application telling me that I didn't have enough "provable" income to qualify for refinancing my home. When I came to Clover I was almost out of hope. My Mortgage Agent at Clover was caring and professional, and help me get a great rate and flexible terms on full refinance. The whole process took less than 48 hours! I was impressed at how quickly and easily they were able to get me the money and home refinance I needed. Thank you Clover Mortgage, I'm recommending you to everyone I know!!
Andrea R.
Andrea R.
I had really bad credit, but really wanted to purchase a Condo. When I went to the bank they made me go through a lengthy application process that took weeks, and then they turned me down at the end of it all. When I found Clover Mortgage online, I called them and a friendly Mortgage Agent was able to help me get approved for a mortgage quickly and hassle-free. I got a good rate and now live in a home that I am comfortable in and am able to easily afford my monthly payments.
Ankur R.
Ankur R.
I definitely recommend Clover Mortgage to any new home buyer! They were very professional and helped my husband and I get mortgage for our new home at an even better rate than the bank was offering us. They also helped us get the mortgage with a smaller down-payment than the bank demanded from us. Since we did our mortgage with Clover, several of our friends and family members got their from them also, and Clover Mortgage has been able to help all of them, even the ones that were completely turned away and rejected by their banks.
Janet L.
Janet L.
My husband and I found ourselves in a tough situation. Luckily my expert mortgage broker at Clover Mortgage helped us get a fast and easy approval for an amazing rate for refinancing our home. Clover's service is the best I've ever experienced and I've been recommending them to all of my family members and friends ever since. Thanks for your help Clover!
Raj I.
Raj I.
I definitely recommend Clover Mortgage to any new home buyer! They were very professional and helped my wife and I get mortgage for our new home at an even better rate than the bank was offering us. They also helped us get the mortgage with a smaller down-payment than the bank demanded from us. Since we did our mortgage with Clover, several of our friends and family members got their from them also, and Clover Mortgage has been able to help all of them, even the ones that were completely turned away and rejected by their banks.

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