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Home
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Renting or buying. Which option is right for you?
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Buying a home
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Buying guides
- Homebuying Step by Step
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Homebuying Step by Step
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Homebuying Step by Step
Our tools help you make smart, confident decisions when buying your home in Canada.
Plan, Prepare and Purchase with Confidence
The Homebuying Step by Step Guide helps you understand every step of the homebuying process, from preparation to closing. The Homebuyer Step by Step Workbook and Checklist keep you organized with clear, actionable tasks. Together, these homebuying resources help first-time and repeat homebuyers stay on track, avoid common mistakes and move forward with confidence when buying a home.
We’ve Created 2 Free Resources
Use the Guide to navigate the homebuying process and the Workbook and Checklist to track tasks.
TIP Download and open PDF files in Adobe Reader to enjoy the full interactive experience.
Step by Step Guide
- Explore each step of buying a home in Canada.
- Plan your budget and financing.
- Understand inspections, appraisals and legal steps.
- Learn how to work with realtors, lawyers and lenders.
- Get tips for moving in and maintaining your home.
Workbook and Checklist
- Record notes and calculations for each step.
- Organize your budget and mortgage information.
- Track inspections, appraisals and legal tasks.
- Note key contacts and decisions with professionals.
- Plan your move-in tasks and ongoing home care.
What You’ll Find in the Homebuying Guide
This guide explains the key steps involved in buying a home in Canada.
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Decide if homeownership is right for you
Explore housing options, estimate costs and review your finances.
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Check your financial readiness
Calculate what you can afford now and plan for future expenses.
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Finance your home
Understand mortgage basics, get pre-approved and learn about loan insurance.
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Find the right home
Set your priorities and connect with trusted homebuying professionals.
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Make an offer and close the deal
Learn how to prepare your offer, manage conditions and take possession.
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Maintain and protect your home
Discover renovation rebates, create a maintenance plan and plan for emergencies.
Who Benefits from These Resources?
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Newcomers in Canada
Step-by-step support to understand Canadian homebuying, legal requirements and practical tips for settling into a new home.
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First-time homebuyers
Practical steps and tools to plan your budget, track tasks and confidently navigate every stage of buying your first home.
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Existing homeowners
Clear advice to upgrade or downsize, manage your sale and purchase and plan a smooth move to your next home.
Unlock Savings with CMHC’s Eco Products!
Receive a 25% partial premium refund when you buy a newly built, climate-friendly home with CMHC-insured financing.
Receive a 25% partial premium refund when you buy an existing home and make energy-efficient upgrades.
CMHC Mortgage Resources
Helping you make smart homeownership choices with easy-to-use financial planning tools.
Homebuying Calculators
Use these tools to plan your home purchase and make informed decisions.
Mortgage Calculator
Compare rates, payment frequency, amortization and more to find the mortgage that fits your budget.