Financing with Keys & Co.
Your budget, clarified. Your search, simplified.
Mortgage Calculator
Understand Your Budget
We help you figure out what's realistic & smart.
Connect with Trusted Lenders
We connect you with our trusted brokers. Not just rate sheets.
Lock in Your Plan
Whether you're buying now or later, we got your back.
Can I buy a home with less than 20% down?
Yes — and a lot of people do.
There are options with as little as 5% down in Canada. The key is knowing what’s realistic for you — not just what a mortgage calculator tells you.
Should I get pre-approved before even looking at homes?
100%.
It’s like checking your budget before walking into a store. You’ll know your limits, move faster when the right place hits, and avoid wasting time on listings that don’t make sense.
What if I’m not planning to buy for 6 months or more?
Then now is the perfect time to start planning.
We’ll help you set up your roadmap, build your budget, and connect you with lenders if you’re ready. No pressure. Just smart timing.
Do I have to commit to working with Keys & Co to get help?
Nope.
We’ll give you real answers, not contracts. If it turns into a working relationship, awesome. If not, you’ve still got the clarity you came for.
Should I go with my bank or a mortgage broker?
It depends — but don’t just default to your bank.
We’ll help you compare both based on your situation, not someone’s sales script. Sometimes it’s about the rate, sometimes it’s about flexibility.
What if interest rates go up again? Should I wait?
Waiting might help… or it might cost you.
We’ll walk you through how rates impact your budget, monthly payments, and strategy — then you decide what’s smart for you.
