The Broker Guy | Ottawa & Ontario
I’m Sean Khatibi. Whether you’re buying, refinancing or exploring home equity, let’s make your options and costs clear.
Sean Khatibi · Mortgage Agent Level 1 · 8Twelve Mortgage Corp (13072)
A simple way to start
Tell Sean what you are trying to do. He can help you compare a first purchase, refinance, debt consolidation, renewal, private option, or senior financing before you complete a detailed application.
Sean Khatibi · Mortgage Agent Level 1
8Twelve Mortgage Corp · 13072 · Verify licensing with FSRA
Your life. Your mortgage options.
A first home. Fewer payment worries. A more comfortable retirement. Let's find your way forward.
Your home equity could help cover everyday costs, care or a gift to family, without having to move.
Eligibility depends on owners' ages, location and property. Interest adds to what you owe.
Explore rolling higher-interest debts into your mortgage, or using equity for a renovation.
A lower payment can mean more interest over time. Your home secures the debt.
Build a buying plan around your savings, government programs and a payment you can live with.
Explore FHSA savings, RRSP withdrawals through the Home Buyers' Plan, and closing costs. Eligibility varies.
Ourboro could contribute to your down payment in exchange for a share of your home's future equity.
Understand the equity split, eligibility and what happens when you sell.
An unusual income or credit history may call for a different route. Learn which alternatives are worth reviewing.
Private options need a suitably licensed specialist, a clear exit plan and a full cost review.
Your next term should fit your life now. Compare your lender's offer with other rates, payments and flexibility.
Look beyond the rate to penalties, switching costs and prepayment privileges.
Your situation doesn't fit a box?
Let's talk it throughEstimate the big moving parts for mortgage payments, affordability, first-time purchases, reverse mortgages, refinances, debt consolidation, and co-buying support.
Mortgage payment and closing cost calculator
Compare purchase price, down payment, mortgage insurance, monthly payment, and land transfer costs. Ontario is selected by default, with other provinces available for a first-pass Canadian estimate.
Ontario LTT plus optional Toronto MLTT.
FHSA
Contribute up to $8K/year and $40K lifetime toward a first home.
RRSP for a first home
Eligible buyers may withdraw up to $60K without immediate tax through the Home Buyers' Plan; repayment rules apply.
Federal tax credit
The Home buyers' amount is non-refundable; the benefit depends on the tax year and tax owed.
30-year option
First-time buyers may be able to use a 30-year insured amortization to lower the monthly payment.
Ontario/Toronto
Eligible first-time buyers can receive up to $4K Ontario and up to $4,475 Toronto LTT rebates.
Educational estimates only, not tax, legal, financial, or mortgage advice. Eligibility, rebates, RRSP withdrawal rules, rates, and lender terms must be confirmed before acting. No approval or tax benefit is guaranteed. The starting 3.7% variable rate is an assumption, not a rate offer; interest is compounded monthly. Insured amortizations over 25 years require first-time buyer or eligible new-build status; a 0.20% premium surcharge is included. Closing taxes shown are not total closing costs.
Minimum down payment
$60,000
Estimated monthly mortgage payment
$4,034/mo
Includes financed default insurance where applicable. Property tax, heating, home insurance and condo fees are additional.
Mortgage insurance
$23,715
Transfer tax before rebate
$13,475
First-time buyer rebate
$4,000
Transfer tax after rebate
$9,475
Down payment + estimated transfer tax
$94,475
A simple way to start
Share your name and one way to reach you. You can choose whether to include your current estimate so Sean can review the numbers with you.
Sean Khatibi · Mortgage Agent Level 1
8Twelve Mortgage Corp · 13072 · Verify licensing with FSRA
English and Persian guidance for Barrhaven, Nepean, Kanata, Stittsville and Ontario households. We look at total cost, flexibility and payment comfort alongside the rate.
Sean Khatibi | Mortgage Agent Level 1
8Twelve Mortgage Corp · 13072
No. Reviewing income, savings and costs before house hunting helps establish a realistic budget.
Call, text or email your goal. You do not need all your financial figures ready for an initial conversation.
No. Income, credit, property details and lender requirements still need review.
Repayment may be triggered by sale, the last borrower moving out, the last borrower dying, or default, depending on the contract. Access is usually up to 55% of home value, depending on age, property and lender; it is not guaranteed.
Talk to Sean
No documents or detailed figures needed to say hello. I'll help compare lender options, structure, affordability, and timing with plain-English advice.
Opens your default email app with a ready-to-edit message.
Start application