Buying your first home is exciting—but it can also feel overwhelming. Wilson makes the process simple, transparent, and we provide full support. Whether you’re just starting your research or already preparing to buy, here’s a clear breakdown of every step involved in purchasing your new home.
Buying your first home is exciting—but it can also feel overwhelming. Wilson makes the process simple, transparent, and we provide full support. Whether you’re just starting your research or already preparing to buy, here’s a 12-step help guide with a clear breakdown of every step involved in purchasing your first home.
What you need to do:
• Explore Wilson's uniquely affordable new home communities
- Review available floor plans
• Book a Discovery Call with our helpful, always smiling, Wilson Care Team
How Wilson Helps:
• A Wilson Care Team member explains pricing, timelines, available incentives, and mortgage options
• We connect you with a trusted, approved mortgage broker to help you get started
Initial Discovery & Consultation
STEP 1 OF 12
STEP 1 OF 12
What you do:
- Provide basic financial information (income, credit, debts, employment)
- Share supporting documentation (pay stubs, tax returns, identification, etc.)
How Wilson helps:
- We arrange a mortgage broker who specializes in first-time buyers
- The broker determines: Your maximum purchase price, required income and debt ratios, your down payment options, and available government programs (First-Time Home Buyer Incentive, FHSA, RRSP Home Buyers’ Plan)
Mortgage Pre-Approval
STEP 2 OF 12
STEP 2 OF 12
What you do:
- Select your lot, model, and structural options
- Review all documents carefully
- Provide your lawyer’s contact information, or we can recommend one
How Wilson helps:
- We arrange a mortgage broker who specializes in first-time buyers
- We pre-qualify you for our First-Time Home Buyer 5% Advantage Program
- Broker determines: Maximum purchase price, required income / debt ratios, down payment options, and available government programs (First-Time Home Buyer Incentive, FHSA, RRSP Home Buyers’ Plan)
Complete Agreement of Purchase and Sale
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STEP 3 OF 13
STEP 2 OF 13
STEP 3 OF 12
STEP 3 OF 12
If you are using our First-Time Home Buyer 5% Advantage Program:
- Wilson Developments contributes up to 5% of the required mortgage deposit*
- You are responsible only for the builder deposit schedule (if applicable)
If you are providing your own down payment:
- Funds must be traceable savings or gifted funds
- Mortgage broker confirms all requirements
Down Payment & Builder Deposit Structure
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STEP 4 OF 12
STEP 4 OF 12
What you do:
- Share the APS (Agreement of Purchase and Sale) with your lawyer
- Ask questions about closing costs, title insurance, fees, and timelines
How Wilson helps:
- Provide all documents and schedules upon request
- Support your lawyer or broker with any required builder documentation
Lawyer Review Period
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STEP 5 OF 12
STEP 5 OF 12
What you do:
- Submit required income documentation
- Complete lender conditions promptly
How Wilson helps:
- Your mortgage broker handles the full approval process
- Wilson provides purchase documents, builder information, and any required verification
Once approved:
You receive a mortgage commitment, securing your financing.
Mortgage Approval & CMHC (or Insurer) Review
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STEP 6 OF 12
STEP 6 OF 12
What you do:
- Choose interior finishes, upgrades, and options (if applicable)
How Wilson helps:
- Our design team provides guidance, recommendations, and upgrade paths
Design Centre & Finish Selections
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STEP 7 OF 12
STEP 7 OF 12
What you do:
- Follow construction progress—no action required
How Wilson helps:
- Provide updates (foundation, framing, mechanical, insulation, drywall, finishing)
- Communicate any closing date adjustments as required by the Tarion Warranty Program
Construction Updates
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STEP 8 OF 12
STEP 8 OF 12
What you do:
- Finalize insurance
- Submit any last lender documents
- Schedule closing appointment with your lawyer
How Wilson helps:
-Provide final closing package to your lawyer
- Coordinate with your lender to ensure the mortgage funds are released for closing
Final Mortgage Instructions & Lawyer Closing Prep
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STEP 9 OF 12
STEP 9 OF 12
What you do:
- Walk through your new home with a Wilson representative
- Identify any deficiencies that need correction
How Wilson helps:
- Provide a full PDI checklist
- Document all items and arrange repairs as required
Pre-Delivery Inspection (PDI)
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STEP 10 OF 12
STEP 10 OF 12
What happens:
- Your lawyer receives mortgage funds from the lender
- Title is transferred into your name
- Keys are released to you—you’re officially a homeowner!
How Wilson helps:
- Coordinate with lender and lawyer
- Finalize all builder-side closing requirements
Closing Day
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STEP 11 OF 12
STEP 11 OF 12
What you do:
- Move into your new home
- Register any warranty claims through Tarion (if needed)
How Wilson helps:
- Provide warranty support
- Offer a post-move-in service window for minor adjustments
- Continue community updates and homeowner communication
Move In & After-Care Support
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STEP 12 OF 12
STEP 12 OF 12
Wilson Developments ensures every first-time buyer has:
✔ A dedicated care agent
✔ A trusted mortgage broker
✔ Help securing the 5% down payment (FIRST-TIME HOME BUYER 5% ADVANTAGE PROGRAM)
✔ Full guidance from purchase to move-in
You're Not Doing This Alone
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