Stop GUESSING Your Way Into Your First Home!
Steal our First-Time Buyer Starter Pack and get a clear, step-by-step roadmap for buying a home in Ontario—built for real families,
Inside, you’ll get:
- Home Buying Secrets Revealed – a plain-language guide from “maybe we can” to keys in hand.
Credit Mastery Guide (Bonus #1) – simple, Canadian-focused playbook to build or clean up your credit before you apply.
Smooth Move-In Blueprint (Bonus #2) – a 60-day countdown checklist from offer accepted to settled in.
Tell us where to send your Starter Pack
Get instant access to the guides and checklists we use with our own first-time buyers.
We’ll send your Starter Pack and a few genuinely useful emails about buying your first home. Unsubscribe anytime with one click.
REAL TALK
Does This Sound Like You Right Now?
You’ve been talking about buying for a while. You’re scrolling listings at night, punching numbers into mortgage calculators, and hearing totally different advice from parents, friends, Insta, TikTok, and the bank.
You’re thinking something like:
“We could probably buy if we did this right…”
“…but we really don’t want to mess this up.”
You might be worried about:
- Not having enough downpayment
- Credit not being perfect, or being good enough
- Surprise costs you can't handle
- Putting your trust in the wrong person and not knowing what the process should be
- Buying more home than you can handle - and being House Poor
- Choosing the wrong mortgage. Unsure how they work and what makes them good or bad.
- Finding something wrong with your house and not having the money to fix it.
If any of those have gone through your head, this Starter Pack is for you!
Andrew Roach – Broker – Roach Family Real Estate Team
Trusted by 250+ families across Halton, Peel, and surrounding areas.
Who’s Behind This (and Why Listen to Us)?
Hi, I’m Andrew Roach.
I’m a homeowner, investor, husband, and dad of three. My wife and I run the Roach Family Real Estate Team here in Halton, and over the last 15+ years we’ve helped more than 250 families buy and sell homes—many of them for the very first time.
Here’s what we see over and over:
Smart, capable people who could absolutely own a home…
…stuck because the process feels confusing, risky, and a little overwhelming.
So we took what we walk our first-time buyers through and turned it into a simple Starter Pack you can read in under an hour and actually use.
No fluff. No scare tactics. Just clear, step-by-step guidance tailored to how things really work in Ontario.
What You Get Inside the First-Time Buyer Starter Pack
Three simple pieces that work together to take you from “we hope we can buy” to “we got the keys.”
Home Buying Secrets Revealed
• Who actually qualifies as a first-time home buyer in Canada (including the 4-year rule and separation situations).
• How minimum down payments really work now (5%, 10%, 20%) with easy-to-follow examples.
• How to figure out a comfortable monthly payment using GDS/TDS—not just whatever max the bank offers.
• Which programs are still worth using (FHSA, RRSP Home Buyers’ Plan, tax credits, land transfer tax rebates).
• A simple, step-by-step roadmap: from Pre-approval → Offers → Conditions → Lawyer → Closing day.
(Bonus #1)
Credit Guide
• How lenders actually look at your score and debts in Canada (it’s more than just a number).
• The key factors that move your score—and which “credit hacks” are a waste of time.
• What not to do in the 60–90 days before you apply if you want an easy “yes.”
• Practical ideas for bruised credit: high balances, late payments, collections, etc.
• A simple, repeatable routine you can follow while you save your down payment.
(Bonus #2)
Smooth Move-In Blueprint
• A 60-day countdown from “offer accepted” to 30 days after move-in.
• The key legal and money steps in plain language: lawyer, mortgage signing, closing funds, keys.
• Who to call and when (movers, utilities, internet, mail, childcare, schools, insurance).
• Move-day and first-week reminders most families forget—so the house actually “works” quickly.
Ready to Get the Starter Pack?
It’s the exact roadmap we wish every first-time buyer had before they started scrolling listings.
What Happens When You Have a Clear Plan
Imagine this – In just a matter of hours from now:
• You actually understand the steps and the money side, and see a clear path
• You know the price range that makes sense for your family—not just what the bank hopes to loan you
• You’ve got a simple plan to clean up or build your credit and save the right down payment
• When the right home pops up, you’re ready to move—not scrambling, second-guessing, or panicking.
• Once you’re firm on a house and counting down to closing, you’re checking off your Smooth Move-In Blueprint instead of trying to remember everything.
That’s the goal of the Starter Pack: not just owning a home, but getting there without chaos.
“Okay, But Why Is This Free?”
Three simple reasons:
- We believe in giving first.
The best way to show you how we work is to give you the playbook up front. - You’re overwhelmed, not under-informed.
There’s endless random advice out there. What’s missing is clarity. This is our way of giving you that clarity. - Some people will want more help later.
A portion of people who grab this Starter Pack will reach out when they’re ready to buy. If we’re a good fit, great. If not, keep the guides and use them with whoever you choose.
No tricks. No bait-and-switch. Just value first.
How to Get the Starter Pack
- Tell us where to send it.
Drop your name and best email into the form on this page. - Check your inbox.
You’ll get a link to download:
• Home Buying Secrets Revealed
• Credit Mastery Guide
• Smooth Move-In Blueprint - Take 20–30 minutes to read it together.
Highlight what matters to you, talk it through, jot down questions. - (Optional) Book a First-Time Buyer Strategy Call.
If you want help turning the Starter Pack into a step-by-step plan for your situation, you can book a call—no pressure, no script.
Is this only for people in Halton?
No. The concepts work anywhere in Canada. We’ve just written it with extra detail for Ontario buyers—especially around land transfer tax and how local buyers are actually getting approved and moving right now.
We’re more than a year away from buying. Is this still useful?
Honestly, that’s the best time to get it. You’ll have time to fix credit, save properly, and use tools like the FHSA and RRSP HBP before you’re rushing.
Do we have to work with you if we download this?
No. The guides are yours to keep. If you already have an agent you love, use them. If you don’t, and you like how we explain things, we’d be happy to chat.
Will you spam us?
No. You’ll get the Starter Pack and the occasional email with practical tips for first-time and move-up buyers in our area. You can unsubscribe with one click.
What if I want to work with you but you don't cover my area?
If we don’t cover your area there’s a great chance we know agents as good as we are that work in your area.
When you’ve worked in an industry for as long as we have, you meet great people who share your values. We can introduce you to experts in your area.
Ready to Stop Hoping and Guessing and Start Planning Your First Home?
You don’t need more random opinions.
You need a simple, proven path that fits your budget, your family, and your timeline.
That’s exactly what the First-Time Buyer Starter Pack is designed to give you.