A young family’s first home

A young couple with a preschool-aged child, both salaried employees, buying their first home.

The down payment was nearly ready, but they weren't sure how much they could borrow or which rate structure suited them. Meanwhile their child's education savings kept being postponed — two priorities, one budget.

Our financing team first mapped the family's cash flow and set a realistic budget ceiling, then compared lender options against it. A wealth planning advisor joined the same conversation to direct the surplus beyond the monthly payment into education savings — two life decisions, settled in one plan.

Secured a strong rate — and started the children’s education fund at the same time.