How Can First-Timers in Canada Find the Best Mortgage Rates?

First-time buyers in Canada need clear mortgage guidance amid rising prices and changing interest rates.
Government programs like the First-Time Home Buyer Incentive and HBP can reduce upfront and monthly costs.
Personalized mortgage advice helps buyers understand true affordability and avoid costly mistakes.
Comparing lenders beyond major banks can unlock better rates, flexibility, and lower penalties.
A smart mortgage strategy builds confidence and prevents financial surprises when buying your first home.