A new year opens the door to new possibilities.

For many, January feels like a reset — a chance to pause, reflect, and think intentionally about what’s next. If homeownership is on your horizon for 2026, now is an ideal time to begin planning, long before timelines feel rushed or overwhelming.

Starting early doesn’t mean making big commitments. It means having conversations, understanding your options, and gaining clarity around what’s realistic for you. From reviewing credit and savings goals to exploring different mortgage scenarios, thoughtful planning now can make the process smoother and more confident later.

One of the biggest advantages of early planning is flexibility. You have time to adjust, ask questions, and make informed decisions without pressure. Whether your goal is buying your first home, upgrading, or simply understanding where you stand, January offers space to map out a strategy that fits your life — not the other way around.

Homeownership is a journey, not a single moment. Starting the conversation early allows you to move forward with intention, support, and a clear plan. When the time feels right, you’ll be ready — informed, prepared, and confident in what’s possible.

– Michele McGarvey Team, Dominion Lending Centres