Holistic Financial Planning
Homeownership & Real Estate Planning
Make informed real estate decisions with a plan that balances your home goals, lifestyle, and long-term wealth
Bring Clarity to One of Life’s Biggest Investments
Affordability & Cash Flow
We’ll analyze your income, expenses, and lifestyle goals to help you find a mortgage range that feels comfortable but not stretched.
Down Payment & Savings Strategy
We’ll help you use FHSAs, RRSP Home Buyers’ Plan, and TFSAs efficiently to accelerate your down payment and minimize taxes.
Buy, Upgrade, or Stay Put
Compare renting, buying, or upgrading scenarios with clear financial projections so you can see which path truly supports your long-term goals.
Your Roadmap to Smarter Home Decisions
Make your next home decision with clarity and confidence.
Buying, upgrading, or paying off a home is one of the biggest financial moves you’ll ever make and it deserves more than guesswork.
Whether you’re saving for your first condo, weighing a move to a bigger family home, or deciding between paying down the mortgage and investing, having a clear plan can make all the difference.
At FutureSet Financial, I help you understand how homeownership fits into your broader financial picture so you can balance real estate goals with long-term wealth building.
Why Real Estate Planning Matters
Real estate in the GTA can feel overwhelming. With rising prices, mortgage rules, interest rate changes, it’s easy to wonder if you’re making the right choice.
A personalized financial plan helps you:
See what you can truly afford without stretching your lifestyle too thin
Build a down payment strategy that fits your income and timeline
Compare renting vs. buying or upgrading your current home
Understand the long-term trade-offs between debt, equity, and investment growth
Prepare for hidden costs from closing fees to maintenance alongside a mortgage
What We’ll Map Out Together
Your plan is customized to your goals, not just market trends. Together, we’ll look at:
Affordability & Cash Flow
We’ll assess your current income, expenses, and savings to find a comfortable mortgage range and not just the maximum the bank will lend.
Down Payment & Savings Strategy
Learn how to use tools like the First Home Savings Account (FHSA), RRSP Home Buyers’ Plan (HBP), and TFSA to accelerate your down payment while minimizing taxes.
Mortgage & Debt Optimization
Compare fixed vs. variable rates, amortization options, and strategies to pay off your mortgage faster without sacrificing flexibility.
Buy, Upgrade, or Rent Decision
We’ll model each scenario and show how each path impacts your long-term net worth, lifestyle, and cash flow.
Real Estate as Part of Your Wealth Plan
Understand how property fits within your total asset mix by balancing home equity with investment diversification.