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Free Guide

Everything you need to buy your first home

The Home Buyer's Guide walks you through every step — from your first budget conversation to picking up the keys — so nothing catches you off guard.

  • How much you can actually afford
  • Every cost beyond the purchase price
  • A step-by-step timeline from offer to closing
Download your free guide
What's Inside

A chapter for every step

Budgeting & affordability

What lenders actually look at, and how much home that really buys you.

Down payments & closing costs

Every cost beyond the purchase price, laid out line by line.

Getting pre-approved

What to have ready, and how a pre-approval actually strengthens an offer.

From offer to keys

A step-by-step timeline of what happens, and when, between an accepted offer and closing day.

A look inside

Getting started with a broker
Getting started with a broker
Choosing the right mortgage
Choosing the right mortgage
Savings programs for every buyer
Savings programs for every buyer
Why It Matters

Real answers, not just homework

This isn't generic advice pulled off the internet. It's written by Ottawa brokers, for Ottawa buyers, and it's meant to be read alongside a real conversation with a real person — not instead of one.

  • Plain-language explanations, no jargon left unexplained
  • Local context — Ottawa land transfer tax, programs and lenders
  • Built to be read once and kept for reference through closing
Get your copy
Client Stories

Home buyers like you

“Murray is an outstanding mortgage broker who not only finds you the best mortgage rates, but provides great financial options analysis. He&#39s honest, expedient, and has a gregarious persona that takes the stress out of mortgage…
AB
Andrew B.
“Murray and his team always provided excellent service and expertise to my real estate clients. Timing is extremely important in the real estate deal closing properly and we always knew we could count on Murray and his team to make the…
CF
Catherine Fair
“Murray is a man of unwaveringly high integrity, honesty, and unmatched business ethics. A genuinely kind, caring and patient individual who can be trusted upon to offer sound real estate and related financial advice, I would recommend…
DB
David Ballinger
“As a first-time home buyer, I knew absolutely nothing about securing a mortgage until I went to Murray. He never made me feel rushed or embarrassed when I pummeled him with questions even the basic ones I thought I should already have the…
HC
Holly C.
“Murray not only has a deep understanding of his work, he manages to help us understand all the peaks and valleys of the market and mortgaging a home. His blend of humour and access to many providers made us feel comfortable and settled in…
IC
Ian Campbell
“I have worked with Murray and his Team for many years and the results have always been positive. He not only provides excellent options to his clients but looks at their overall financial situation to ensure that the final selection is…
IB
Irene Bilinski
“Murray is an outstanding mortgage broker who not only finds you the best mortgage rates, but provides great financial options analysis. He&#39s honest, expedient, and has a gregarious persona that takes the stress out of mortgage negotiation. After securing a mortgage for you, he will continue to liaise with you and provide top-notch service in regards to all things regarding your mortgage, including talking on your behalf with the financial institution if you need to make adjustments towards your mortgage. I highly recommend him to anyone who is looking for a stress-free approach to securing a mortgage.”
Andrew B.
“Murray and his team always provided excellent service and expertise to my real estate clients. Timing is extremely important in the real estate deal closing properly and we always knew we could count on Murray and his team to make the deal happen. I would solidly recommend the Groen Team at Mortgage Brokers Ottawa. Sincerely, Catherine Fair”
Catherine Fair
“Murray is a man of unwaveringly high integrity, honesty, and unmatched business ethics. A genuinely kind, caring and patient individual who can be trusted upon to offer sound real estate and related financial advice, I would recommend Murray without any reservations to prospective clients.”
David Ballinger
“As a first-time home buyer, I knew absolutely nothing about securing a mortgage until I went to Murray. He never made me feel rushed or embarrassed when I pummeled him with questions even the basic ones I thought I should already have the answers to. He provided clear, simple explanations and advice based on his years of experience and I always felt that he had my best interests at heart when making recommendations. I will definitely return to Murray the next time I need help or advice on my mortgage.”
Holly C.
“Murray not only has a deep understanding of his work, he manages to help us understand all the peaks and valleys of the market and mortgaging a home. His blend of humour and access to many providers made us feel comfortable and settled in the fact that we made the right choice to go with him. I will certainly do business with him again and recommend him to family and friends.”
Ian Campbell
“I have worked with Murray and his Team for many years and the results have always been positive. He not only provides excellent options to his clients but looks at their overall financial situation to ensure that the final selection is the best one for them. I personally have used Murray&#39s service for my own mortgage needs and am extremely happy with the results. Murray and his team are number one in my books.”
Irene Bilinski
Ready When You Are

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