Debbie Kitchen - Dominion Lending Centres

Bruised credit? ❌ Not the end.

Missed payments, high balances, or past financial bumps don’t automatically disqualify you from buying a home. Life happens — and there are mortgage solutions designed for real people, not perfect credit scores. 💙

With the right strategy, guidance, and planning, homeownership may still be within reach. Let’s talk about your situation and explore your options. 📩📊

Every situation is different, which is why a quick conversation can make all the difference. No judgment, just honest advice and a clear plan forward. 🏡✨

🏡 Saving for a Home? Use the Right Accounts

Not all savings accounts are created equal—especially when you’re planning for a down payment.

💡 Top accounts to know:

• FHSA – Tax-deductible contributions + tax-free withdrawals for your first home
• TFSA – Flexible, tax-free savings you can access anytime
• RRSP (HBP) – Use up to $60,000 for a first home (with repayment)
• HISA – Safe place to park short-term savings

📌 Smart tip:
Many buyers start with an FHSA, add a TFSA for flexibility, and use RRSPs if the tax savings make sense.

Saving for a home is easier when your money is in the right place. If you’re unsure which account best fits your timeline or goals, let’s discuss and create a plan.