Do you know
how much house
you can afford?
Some things you just need to get right the first time.
The problem is, most people have been been taught how to manage their finances, nor how to calculate how much house they can afford.
As a homeowner, and personal finance geek, I’m here to help.
Explore our free resources to get you on the fast track to home ownership that you can afford.
Key Components of Understanding House Affordability
financials
Get a handle on how your savings rate, income, bank balance and other factors impact your ability to purchase a house
credit score
Learn how to level-up your credit score in order to get access to cheaper financing
personal situation
This is unique for everyone, which is why it’s important to learn how to think, so you can make your own call
Our story
About
Hi, I’m Liam. A go-getter – like you. After moving around for school and work and renting for many years in large (and expensive) cities, we relocated to a smaller and more affordable area. After settling in, a shortage of quality rental properties gave us the nudge we needed, and my wife and I decided it was time to buy. We also didn’t want to be in a position where we were always paying for somebody else’s mortgage.
I think you can relate, but having a ‘home’ instead of just a house, and providing stability for our three young girls was really important to us. And yes, we felt the need to start building a solid financial foundation.
With my background in financial analysis and research (worked in Finance, Consulting and did Strategic Planning), I wasn’t just going to buy the first, or even fifteenth house we saw. It HAD to make sense financially for us. I’m very conservative financially and wanted to make a purchase that I could sleep well at night knowing there was a strong likelihood that the value of our property would increase over time. As they say in real estate, you make your profit when you buy and this was going to be our largest investment to-date.
After much deliberation, searching and analysis – we purchased our first home in September, 2017. It took countless hours of preparation, and years of saving to ensure that we were able to put 20% down AND maintain our emergency fund…we did a lot of things right, but we also made our fair share of mistakes as well.
That’s why we put these resources together. In order to help you get it right the first time! We saved over $90,000 on our home, and have seen it appreciate over $70,000 and have been very happy with our purchase years later. It is our hope that we are able to help you learn what you can afford and how to pick a winner the first time.
