First-time buyers

Buying your first home in Burlington, done right.

Straight guidance from pre-approval to keys — no pressure, no jargon. Gerald has helped first-time buyers across Burlington and Hamilton for over 26 years.

Start with a no-pressure chat

No spam. Gerald replies personally — usually within the hour.

Why Gerald

Gerald Din is a second-generation REALTOR® with over 26 years across Hamilton & Burlington, and a business built almost entirely on referrals. His approach is simple: always get the client the best deal.

Brokerage: Nashdom Realty Brokerage Inc.

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Frequently asked questions

How much down payment do I need in Ontario?
A minimum of 5% on the first $500,000 of the price. Under 20% down requires CMHC insurance (added to your mortgage). The affordability calculator can map out your numbers.
What is the mortgage stress test?
Your lender must qualify you at the higher of your contract rate + 2% or 5.25%. It sets your true maximum budget — better to know it before you shop.
What are closing costs for a first-time buyer?
Commonly 1.5%–4% of the price: land transfer tax, legal fees, title insurance, inspection and appraisal. First-time buyers can get up to $4,000 back on Ontario land transfer tax.
Do I really need my own realtor as a buyer?
Yes — a dedicated buyer's agent works for you, not the seller, and it typically costs you nothing (the seller pays commission). You get honest advice and hard negotiation on your side.