Oshawa and Durham Region remain one of the few places in the GTA corridor where first-time buyers can get into a detached home without stretching to the limit — and where investors find real rental yield.
Matthew will review your information and reach out within 2 business hours to walk you through your options.
Oshawa offers some of the lowest detached home prices in the Greater Toronto Area, combined with strong rental demand from Ontario Tech University students, healthcare workers, and families priced out of central Toronto.
Whether you're buying your first home or your third investment property, the process is straightforward when you know what to expect.
A 15-minute conversation — no credit check required at this stage. I tell you exactly what you qualify for and what your monthly payment looks like before you start touring homes.
FHSA, RRSP HBP, land transfer rebate, and new build HST considerations — I make sure you're using every program available so your down payment works harder.
Rental income matters for qualification. I work with lenders who factor in projected rental revenue the right way — so your income picture is as strong as possible.
Yes. Oshawa consistently offers some of the most accessible home prices in the GTA corridor. Detached homes are significantly below the Toronto average, making it one of the few markets where a first-time buyer can afford a house rather than a condo. The FHSA, RRSP HBP, and Ontario land transfer tax rebate all apply.
First-time buyers qualify for the FHSA (up to $40,000 tax-free per person), the RRSP Home Buyers' Plan (up to $60,000 for couples), and the Ontario land transfer tax rebate of up to $4,000. A mortgage broker helps you stack these programs effectively.
Oshawa has strong investment fundamentals: lower purchase prices than most GTA markets, rental demand from Ontario Tech University students, and a large base of healthcare and manufacturing workers who rent long-term. Rental yields are generally stronger than in Toronto. Investment properties require a minimum 20% down payment.
Investment properties require a minimum 20% down — mortgage insurance is not available for non-owner-occupied properties. For primary residences, the minimum is 5% on homes under $500,000, with 10% on the portion between $500K and $999,999.
Let's start with your free pre-qualification — no credit check, no obligation, and a response within 2 business hours.
Get My Free Mortgage Review →No obligation. Get clear answers about your mortgage options directly from Matthew — same day in most cases.