What is the minimum down payment in Canada?

For homes up to $500,000 the minimum is 5%. For $500K–$1.5M: 5% on the first $500K, 10% above. Over $1.5M requires 20%.

Can my family gift me money for the down payment?

Yes. We provide gift letter templates so lenders accept those funds without delays.

What is the First Home Savings Account (FHSA)?

The FHSA lets you save up to $40,000 tax-free for your first home. Contributions are tax-deductible; withdrawals are tax-free.

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Call Craig

Licensed Mortgage Agent · Woodstock, Ontario

Buying a Home in Woodstock, Ontario

Craig Reynolds helps first-time buyers, homeowners, and investors find the right mortgage from 88+ lenders. Expert guidance from pre-approval to closing day.

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Who Craig Helps

Home Purchase Mortgages in Woodstock for Every Buyer

No two purchases are the same. Here's how I help each type of buyer.

First-Time Home Buyer

Craig walks you through every step — from pre-approval to closing — with full transparency on costs and zero surprises.

Upsize or downsize home mortgage in Woodstock Ontario

Upsize or Downsize Buyer

Coordinate the financing of your next home while maximizing equity from your current one — nothing falls through the cracks.

Investment property mortgage in Woodstock Ontario

Rental & Investment Property

Level 2 agent access to institutional and private lenders built for rental property goals and portfolio growth.

The difference

Why Work With a Mortgage Agent in Woodstock?

Your bank works for the bank. Craig works for you.

Education-First Approach

Every option explained clearly. You'll understand what you're signing and why.

Access to 88+ Lenders

Banks, credit unions, alternative lenders — I shop the entire market for the best rate and terms for your situation.

A Partner for the Life of Your Mortgage

Craig doesn't disappear after closing. He monitors the market, flags better rates at renewal, and stays your go-to contact for every mortgage decision down the road.

What Working With Craig Looks Like

Simple. Transparent. No surprises.

1

Initial Call

Discuss your goals, timeline, and budget. Walk through all available options together.

2

Info & Docs

Submit documents securely. Craig handles the lender communication on your behalf.

3

Lender Approval

Review approval terms together — every detail explained before you commit.

4

Close & Beyond

Fulfill conditions, close with confidence. Craig stays your partner post-closing too.

The difference

First Time Home Buyer Programs in Ontario

Government programs that can save you thousands. I help you use them.

First Home Savings Account (FHSA)

Save up to $40,000 tax-free. Contributions are tax-deductible; withdrawals are tax-free. I'll integrate this into your down payment strategy from day one.

RRSP Home Buyers' Plan (HBP)

Withdraw up to $35,000 from your RRSP tax-free for a first home. Stack this with your FHSA for maximum down payment impact.

First-Time Home Buyer Tax Credit

Claim up to $1,500 in federal tax relief in the year you purchase. Simple — and often overlooked.

Down Payment Gift Letters

Receiving help from family? I provide the exact gift letter templates lenders require — no delays at closing.

CMHC Mortgage Insurance

With less than 20% down, CMHC insurance is required. I'll explain the premium structure so you make an informed decision.

Mortgage Calculator

Run payment scenarios before committing. Try the calculator →

Find Your Mortgage With Craig

Find The Right Mortgage For You

Answer 3 quick questions.

Common questions

Frequently Asked Questions

Why use a Mortgage Agent instead of my bank?

A bank employee can only offer their own products. As an independent agent, I shop over 88 lenders to find the rate and terms that actually fit your situation. You get the whole market, not just one shelf.

When should I start looking at renewal options?

Ideally 4-6 months before your term is up. This gives us time to shop the market rather than getting pressured into whatever convenience renewal your current lender is offering.

Can you help if I am self-employed?

Absolutely. I have access to lenders who understand variable income and non-traditional income, not just T4s. Those lenders also in turn don't ask for typical tax documents like the major banks do.

Can you help if my credit isn't perfect?

Yes. I have access to Alternative Lenders that look at the full picture, not just a score. We'll find a solution for today and build a a plan to strengthen your position for the future.

Ready to get started?

Find the Right Mortgage in Woodstock today!

No obligation. Just honest advice from a licensed mortgage professional who works for you, not the bank.

Start An Application

Call 226-232-7829

Craig Reynolds

L1 Mortgage Agent

Licensed Mortgage Agent serving, Woodstock, Ingersoll, London, and Surrounding Areas. Helping Ontario homeowners and buyers find smarter mortgage solutions.