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Your First Home. Done Right.

First-time home buyers in London Ontario have more options — and more questions — than ever before. What neighbourhood fits your lifestyle? How much should you put down? What hidden costs should you prepare for? Justin Skrypnyk has guided countless first-time buyers through this process in West London and understands exactly what you're feeling. His patient, educational approach ensures you make a decision you'll be proud of for years to come.

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What You Can Expect

  • Patient guidance with no jargon — plain English every step
  • First-time buyer programs: FHSA, RRSP Home Buyers' Plan, tax credits
  • Budget breakdown including closing costs, land transfer tax, and insurance
  • Pre-approval connection to trusted London Ontario mortgage specialists
  • Neighbourhood comparisons tailored to your lifestyle and commute

The Process

01

Education Session

We walk through the entire process before you look at a single home — so there are no surprises.

02

Budget & Pre-Approval

Understand your true budget including programs like the FHSA and Home Buyers' Plan.

03

Neighbourhood Match

We identify which London Ontario areas fit your lifestyle, commute, and price range.

04

Find & Secure

Tour homes, write a competitive offer, and navigate inspection and closing with confidence.

First-Time Home Buyers by Neighbourhood

Justin offers first-time home buyers services across all West London communities. Select your area for hyper-local guidance.

Oakridge Byron Westmount Riverbend Lambeth Whitehills West London Hyde Park Komoka Old North Masonville Sunningdale Fox Hollow Downtown London South London River Bend Medway

Frequently Asked Questions

Common questions about first-time home buyers in London Ontario.

What programs are available for first-time home buyers in London Ontario?
First-time buyers in Ontario can access the First Home Savings Account (FHSA) — up to $8,000/year, $40,000 lifetime, tax-free; the RRSP Home Buyers' Plan — up to $35,000 ($70,000 per couple) withdrawn tax-free; the First-Time Home Buyers' Tax Credit — up to $1,500 tax reduction; and the Land Transfer Tax Refund for first-time buyers in Ontario. Justin walks every first-time buyer through which programs apply to their situation.
What is the minimum down payment for a first-time buyer in London Ontario?
In Canada, the minimum down payment is 5% of the purchase price for homes up to $500,000. For a $600,000 home (close to the London Ontario average), the minimum is 5% on the first $500,000 ($25,000) plus 10% on the remaining $100,000 ($10,000), for a total minimum of $35,000 plus closing costs.
How does the home buying process work for first-time buyers in Ontario?
The process follows six key steps: (1) Understand your budget and get pre-approved; (2) Access government programs (FHSA, Home Buyers' Plan); (3) Work with a local broker to search and view homes; (4) Write a competitive offer with appropriate conditions; (5) Complete your home inspection and financing; (6) Close and receive keys. Justin walks first-time buyers through each step with no jargon and no pressure.
What are the closing costs for first-time home buyers in London Ontario?
Closing costs in London Ontario typically include Ontario Land Transfer Tax (partially refunded for first-time buyers up to $4,000), legal fees ($1,200 to $1,800), title insurance ($200 to $400), home inspection ($450 to $600), and moving costs. Total closing costs are typically 1.5% to 3% of the purchase price, in addition to your down payment.

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Start Your First-Home Journey

Start Your First-Home Journey?

Reach out today — no pressure, no pitch, just an honest conversation.

Send a Message Call 519.639.5176