Contact - Kirby Chan, Broker - Kirby Chan & Co. Real Estate Team

Why Work With an Agent Who Specializes in Assisting First-Time Home Buyers?

Buying your first home is exciting, but it can also feel overwhelming. An agent who specializes in helping first-time buyers understands every step of the process, from securing financing, to finding the right home and negotiating with confidence. With the right guidance, you can make informed decisions and start your homeownership journey with peace of mind.

Kirby Chan is the broker & founder of Kirby Chan & Co. Real Estate Team. With over 20 years of dedicated experience serving the Greater Toronto Area, Kirby Chan leads Kirby Chan & Co. with a powerful mission: helping families build generational wealth through smart, strategic real estate decisions.

Kirby’s approach centres on four core values: collaboration, integrity, responsibility and generosity, ensuring every client receives not just a transaction, but a trusted partnership built for the long term.

Whether you’re buying your first home, planning for the future, selling to move ahead or investing to build a legacy, Kirby brings high-level market insight, personalised service and unwavering commitment every step of the way.

Kirby Chan and Co. is a top-rated real estate team in Richmond Hill, known for personalized experiences and a proven home-selling system.

Richmond Hill · Markham · Toronto

Starting Your Homeownership Journey

Buying your first home is a milestone, but it can also feel overwhelming. From financing to navigating offers, there are a lot of moving pieces. Our agents are trained to simplify the process so first-time buyers can focus on what matters most — finding a place to call home.

Guided by Specialists Who’ve Been There

Kirby Chan & Co. Real Estate Team equips agents with training and mentorship from top producers and Icon agents who have walked countless first-time buyers through the process. With access to proven systems, marketing support, and hands-on coaching, our agents know how to combine expertise with empathy, ensuring buyers feel supported every step of the way.

Turning Questions Into Confidence

First-time buyers have unique concerns: affordability, inspections, closing costs, and what to expect after the offer is accepted. Our brokerage prepares agents with the answers, tools, and resources they need to turn uncertainty into confidence. With clear guidance and steady support, clients can make informed decisions without the stress of guesswork.

A Network Built for First-Time Buyers

The right connections make all the difference. Kirby Chan & Co. Real Estate Team agents tap into a trusted network of lenders, inspectors, and legal professionals in Richmond Hill, Markham, Toronto, and beyond. And through eXp Realty’s global reach, they can access even broader resources, helping first-time buyers secure every advantage in today’s competitive market.

Preparation Steps Before Buying

Buying your first home is exciting, but before house-hunting begins, preparation is key. Setting a strong financial and personal foundation helps you feel confident and avoid surprises.

Step 1: Check Your Finances

Review your savings and monthly budget.
Consider the down payment (typically 5–20%) and extra costs like moving, inspections, or furniture.
Factor in monthly costs: mortgage, taxes, insurance, and utilities.

Step 2: Get Pre-Approved for a Mortgage

Pre-approval tells you how much you can borrow and makes your offer stronger.
Lenders will review income, credit, and debts to set your borrowing limit.
Having pre-approval in hand shows sellers you’re serious.

Step 3: Understand Your Credit Score

Credit score affects loan approval and interest rates.
If your score is low, consider paying down debts or correcting errors before applying.

Step 4: Set a Realistic Budget

Don’t just focus on the maximum loan you qualify for.
Think long-term — you still want room for savings, travel, or family plans.
A good rule: aim to keep housing costs under 30% of monthly income.

Preparation isn’t glamorous, but it’s what makes the dream of homeownership possible. A little groundwork now will make the buying process far smoother later.

Click here to download our free First Time Home Buyers guide!