Saskatoon's full market, live.

In Canada the minimum is 5% on the first $500,000 of the price and 10% on the portion above that. On a typical Saskatoon home around $450,000, that's roughly $25,000. With less than 20% down you'll also pay mortgage default insurance, which is added to your loan.

Quite a few. You can save up to $40,000 tax-free in a First Home Savings Account (FHSA), withdraw up to $60,000 from your RRSP under the Home Buyers' Plan, and claim both the federal ($1,500) and Saskatchewan ($1,575) first-time homebuyer tax credits. First-time buyers can also use a 30-year amortization to lower payments.

Lenders apply a federal stress test — you have to qualify at the higher of your contract rate plus 2%, or 5.25%. The best first step is a mortgage pre-approval, which tells you your real budget and can hold a rate while you shop.

Good news: Saskatchewan has no land transfer tax. Budget roughly 1.5–4% of the price for a title transfer registration fee (about 0.4%), legal fees, a home inspection, and adjustments.

In a typical resale purchase, the buyer's agent is paid from the seller's side — so having Krishna represent you usually costs nothing out of pocket. We'll always confirm the details for your specific purchase up front.