How I bought a house in Canada within 10 months

Hey guys! In this video I shared how we bought our first home with if 10 months in Canada. I’m hoping that this helps you in achieving your dream of buying a home.
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[@gbengaomoyeni4]

Thank you Mimie. It has never crossed my mind to leave Nigeria because I believe I can achieve anything here as a Software Developer. However, your videos have sparked my interest and made me to have a rethink. Also, the situation of Nigeria in terms of our devalued and defeated currency has further boosted my Japa Syndrome. Welldone, please keep them coming. God bless!

[@tobishobayo-onyeanu7860]

Thank you for always keeping it real. This video is inspiring, I look forward to your next gist🥰

[@chikanwankwo2775]

So honest and well detailed,thanks so much for this masterpiece 🎉

[@ItsNearMellowL]

I sincerely appreciate you taking the time to outline how you've achieved this! I remember asking you about it😅 God continue to bless you ma🙏🏾❤️

[@emyessien1339]

Congratulations Mimi🎉🎉🎉 thank you for the step by step explanations on how to acquire a home in the abroad. I wrote down every detail of it as i newly moved to the US, im sure this will help me here too. God bless you mama🎉

[@oluwagbengaolanrewaju2506]

Thank you for sharing this beautiful testimony.. Feel so good to be one of your subscriber today...

[@Mimiojieh]

Thank you so much for subscribing…it’s means a lot to me🙏🏽💃🏾🎉🎉🎉🎉

[@joykate8754]

I just love your videos They are so detailed and informative. I just started following you and I am glad I did

[@Anna-zb2dv]

Nice, you explained it so well! Thanks for sharing, I just saw your channel and I had to subscribe, you’re amazing❤

[@xxcessjoy]

New subscriber alert🥂loving your videos already... Thanks for letting this out and congratulations on your new home

[@Mimiojieh]

Yayyyyyyy💃🏾💃🏾💃🏾💃🏾💃🏾thank you so much

[@uchennamoneke2799]

Bless you..questions even those who have stayed 10 years in Canada cannot answer, you did in this video..infact I am subscribing to your page. Bless you.

[@Mimiojieh]

Thank youuuuuuuuuu😘😘😘😘😘❤️❤️❤️❤️

[@silviaokoye8472]

Congratulations to you and your hubby, i must say that you are a good teacher. I have learnt a lot from your video and i just subscribed.

[@Mimiojieh]

Yay thanks for subscribing 😘

[@promboyvette9086]

Wow Congratulations, I tap in to ur blessings Mimi ❤

[@Mimiojieh]

Amen…it will happen soon for you🙏🏽

[@sophmartins8011]

Thanks for breaking this down, I learnt alot can't wait for mine

[@Mimiojieh]

Thank you…yours is next by God’s grace🙏🏽

[@knyabb7118]

Congratulations 🎉 Thank you so much for sharing!

[@themortgagechic_ca]

This is awesome! A lot of practical tips. Congratulations ! I must say you are one the few new Nigerian immigrants that listen. Congratulations once again. I help my clients do this - buy a property in your first year! Yes it is possible as you all can see! Congrats again!

[@Mimiojieh]

Thank you very much…oh yes very possible in the first year.😊

[@Okwism.O3GroupofCorp.Inc.]

Enjoying the happy mood! Started following you since the time you were in Dubai! Congratulations!

[@Mimiojieh]

Thank you so much for your support, it means a lot to me.🙏🏽

[@adenikebolaji717]

❤❤ congratulations , thanks for sharing and being so detailed ❤

[@Sutuu0909]

Congratulations 🍾 on🎉I love the transparency and your sharing is very inspiring and uplifting

[@Mimiojieh]

Thank you I appreciate your feedback ❤️

[@Sutuu0909]

@@Mimiojieh you’re welcome

[@maureenmomo4460]

Congratulations to you Mimie and family 🎉 very beautiful house. So nice to see you soo happy. More blessings to you 🙏

[@Mimiojieh]

Thank you so much… your name reminds me of my best friend ❤️

[@maureenmomo4460]

Aww sweet☺️

[@sapphireglow7250]

i love your honesty in this video, i decided to subscribe to you! congrats too!

[@Mimiojieh]

Thank you so much for subscribing I appreciate it❤️🙏🏽

[@terryoretayo2627]

I must commend your efforts in dishing out valuable information. You are blessed dear, congratulations!

[@Mimiojieh]

Wow, thank you!

[@preshdarlyn]

Most Nigeria avoid credit card particularly not knowing that it is key to a lot of openings. I applied for a credit card even as a student and I got a 1000 limit. The trick I use on using it is, once I shop on it, I pay it off within 2 days. Congratulations on your new home and thanks for sharing your story.

[@Mimiojieh]

It’s because we don’t have credit system back home…thank you for your kind message

[@FirstLady.]

Thank you for sharing ❤ U did an amazing job 🎉

[@olajidealli]

@preciousajunwa, you have done a great job paying your credit card every 2 days. But, that’s not the best way to use your credit card 😅. Pay your credit card before the due date after the statement date. Also, don’t use more than 30-35% of your credit card limit as this affects your credit score. The limit usage (30-35%) only affects your credit score but not your credit history.

[@user-zp5lc7yb4p]

Congratulations dear

[@ayoola73]

Is it possible to buy a house in less than 6 months, especially if you have the down payment . I appreciate your sincerity and openness. Congratulations

[@freshseasoncouture8276]

I am a new subscriber. Thank you for all your detailed videos. And Congratulations on your house and baby.

[@emilysharon9490]

Congratulations on your new home 🤩

[@aliceehoche5609]

this is amazing, congratulation to you and the family.

[@Mimiojieh]

Thank you so much!

[@ijizu3451]

My celebrity Padi. Onye Ji cash!💃🏿💃🏿💃🏿 Congratulations🎉🎉🎉

[@Mimiojieh]

Onye nkem🥰

[@AnnitaGabriel-ru2be]

You gained a subscriber to day, Thank you so much, I'm actually new in canada

[@olaoluwaisaac1633]

This video is Inspiring. congratulations on your new home🎉

[@Mimiojieh]

Thank you so much…🙏🏽🎉

[@Queeneth_Bassey_Ekpenyong]

Congrats honey, please keep the videos coming ❤

[@Mimiojieh]

Thank you Queeneth ❤️

[@Sutuu0909]

My husband is very strick about those points when it comes to credit scores and he actually helped me to build mine but 😢now I old phone bills started popping out from old phones I got couple years and my credit score dropped but it’s ok will pull up my socks thank you for sharing very helpful

[@Mimiojieh]

Mine as well lol. With consistency I’m sure you will get your score back up.

[@Sutuu0909]

@@Mimiojieh thank you

[@reginaquainoo8945]

Can’t wait to buy my home, God bless you

[@infopreneurworldview1733]

Awesome! A big congratulations to you and your family!! More of God's unceasing, unflinching, undying, unending and amazing goodness IJN 💕💕💕💕

[@Mimiojieh]

I say a big Amen…thank you very much

[@enjay4381]

You see ehn,I love very pragmatic and real people because thats exactly who I am. Just stumbled on your channel and watched about 3 of yoyr contents and I must say I am blown away. I just subscrived to your channel.

[@Mimiojieh]

Welcome aboard! Thank you so much for subscribing 💃🏾💃🏾💃🏾❤️❤️❤️❤️❤️

[@velikafashion]

Congratulations on getting your new home ❤

[@Mimiojieh]

Thank you😘

[@debbieodiase6797]

This was so helpful - thank you!

[@hautewinnie]

This video is inspiring and educating. Keep it up 😊

[@Mimiojieh]

My super star waka pass KZbinr🤣

[@IfePinkiesTV]

Wow congratulations 🍾🎊 you really broke it down ❤❤❤

[@Mimiojieh]

Thank youuuuuuuu🥰😘

[@adedoyinadediran6903]

Thanks Mimi. Just wanted to have an idea of cost of houses in Calgary. Your house is quite lovely.

[@Mimiojieh]

Depends on the area and size of house but you will easily find a nice brand new home from $650k and above in a new area.

[@LYDIAANDFAMILY]

Well explained, is the same process I and my husband used to get our house in February

[@Mimiojieh]

Wow👏🏽👏🏽👏🏽congratulations and stay winning ❤️

[@TosTosTV1]

Congratulations on getting your new home! 🎉🎉 You have done well to let people know the reality(in the sense that what worked for A might not work for B) and that singular point you didn't miss out, where the down payment wasn't actually earned here, kudos to you cos I feel with the way some people use the internet as a guide to what they do with their lives, it's good you stated that, so some don't start putting unnecessary pressure on themselves.

[@Mimiojieh]

Thank you so much❤️❤️❤️❤️🎉

[@beatriceannaful8742]

Kk thank you

[@themortgagechic_ca]

So very well said. I have lived in Canada for over a decade, and I cant help but watch in amazement the unnecessary competitive spirit of Nigerians migrating to Canada in the last 5 or so years. Buying a property is a basic human need - i.e shelter over your head. And as Mimi alluded to, a lot of Nigerians that buy within a year come into Canada with their down payment in hand.

[@No-Slacking]

​@@themortgagechic_ca I really want to come to Canada but don't know how.

[@joelkipkorir5786]

Mimi, you are a real natural woman, good video

[@Mimiojieh]

Thank you for your kind words

[@priscillaomene7158]

Very true...use the credit card but ensure payment on time...preferably before due date...it builds your credit score.

[@Mimiojieh]

Well said💪🏽

[@oyenbot]

thank you so much for this, it has been helpful however i must say you look so gorgious would be nice to vlog for us what you use for the glow and or what body products are good for the different seasons

[@Mimiojieh]

Thank you very much. You’re the second person that asked. I just feel my routine is so basic no one will care😁. I will consider Vlogging about it🙏🏽

[@Mimiojieh]

Pls feel free to ask me any questions or comment down below and I will be happy to respond.

[@ekehcharity2036]

What soap and cream do you use in Canada. Am kinda love your skin

[@Mimiojieh]

@@ekehcharity2036 Keri intense hydration moisturizer and Dove (liquid) soap. For face All Acure products lolz not all but most of there product.

[@Ann-hm7gj]

Cibc wasn't that great I prefer td bank but if cibc works for them great. We used cibc for many years, for 10 years but td bank was just an overall better deal. It actually use to be td ( Toronto Dominion) but they combined with canada trust (they use to be a brown bank) but when they combined they were just the best banking system. I mean the best. I love bank of Montreal too! I trusted that bank for everything! Putting documents together for home ownership in Canada, I'd say it was a good experience. The builders are amazing! It was a fun process picking houses from the original plan and working with the builders to mix and match what you want in your home. W were kinda broke so our house came with standard features but later down the road we did our own renovations. Congrat on the home!

[@TinaIsoa]

This is so detailed ❤ I will share it out

[@Mimiojieh]

Thank you very much for sharing 😘

[@zionkid9186]

Thank you very much for your detailed explanation.

[@gideonayodele2914]

You are appreciated, what fascinating me most abt you is that you don’t have any write up and saying something to sweettalk your viewers, at all. You are disseminating them naturally and its makes your video interestingly superb and unique. All your informations are authentic and verifiable.. i also like how you are using we rather than i as good and humble and supportive wife. Keep it up. I always applied for jobs in Canada, but feedback is unfavorable. What steps or advise can you give me to intensify my application. Thanks and God bless you and ur family..

[@Mimiojieh]

Thank you for your kind words. It is hard to get job outside of Canada unless you are looking for jobs in high demand such as Truck driving. The goal for Canada is to first hire within before employing a talent from outside. There is really no step or advice other than just continue to apply.

[@nuelaanye1919]

Wow you were detailed sis thanks so much for the update 🥂🥰

[@Mimiojieh]

❤️❤️❤️❤️

[@patrickchukwuedo4650]

I am a new subscriber, thanks for the information, it is well detailed, Blessings...

[@Nancy_Reign]

Congratulations to you and your family

[@muimui4644]

Major congrats to you and your family. I landed here because I am moving to Alberta in next few months and this is manifestation.

[@Mimiojieh]

Amen 🙏🏽 you will testify🙏🏽

[@EBYWOLE]

You explained it very well for a layman to understand. Did you pay for closing costs? Except for the lawyer fees.

[@j.nuadey7671]

Detailed explanation. God bless you

[@lovelearningayus1213]

Congrats MiMi i love your down to earth way and realistic video

[@Mimiojieh]

Thanks for your kind comment, this means a lot🙏🏽

[@adelekelawal1]

Congratulations my people. 🎉🎉🎉

[@Mimiojieh]

Thank you so much big bro😘

[@adelekelawal1]

@@Mimiojieh ❤️❤️❤️

[@abisolaade6545]

Congratulations to you and family 🎉🎉

[@Mimiojieh]

Thank you sis❤️

[@BelovedTemi]

Your hair is gorgeous ❤

[@olukayodehenry9464]

And this is so on point. Thanks for shedding a bright light into it. 🙏🏽🙏🏽

[@buildasnest481]

Thank you so much for this succinct information.

[@user-eb7jf3hu6b]

Congratulations MIMI . God bless you and your family. Please I need help, I just came to Canada, I'm 5months pregnant with a visitor's visa,

[@omadivaluxury1994]

Congratulations sis 😘

[@PRINCESS.OLIVER]

Great insight thanks for sharing dear

[@Mimiojieh]

My lover…thank you

[@koko_chime]

Congratulations and thanks for the infos

[@Mimiojieh]

Thank you

[@funmilayocatherine353]

Congratulations and Well-done

[@Mimiojieh]

Thank you ma’am 🎊

[@chikanwankwo2775]

Please we are waiting for the project management video,thinking of switching too

[@daniellajacobs4870]

Congratulations ma’am 🎉

[@Mimiojieh]

Thank you so much

[@OrowoleAkinwande]

This is great! Good testimony indeed. But can this be possible for a school that is just coming in newly?

[@Ose901]

I tried really hard to see past your skin😫😫 Thanks for the tips Mama😘😘😘 they’ll come in handy very soon insha Allah😀

[@Mimiojieh]

😁😁😁😁

[@rastamanliveup3706]

A rate of 4.74% is great for this environment.

[@stelia-ladye7090]

Congratulations my dear

[@BrainseedBillionaire]

I love your video and i will join you soon in canada

[@maryann_fegor]

I stumbled on your video today and I have been totally hooked. I love the simplicity and realistic video. Thank you so much for these impactful videos . Please why did you multiply the income (200k) by 4? Is 4 the intrest rate on the mortgage or number of people in the household?

[@Mimiojieh]

They multiply it to know how much mortgage loan you will qualify for…it is multiplied by family income (husband and wife) if you’re buying together or an individual income if you’re single or buying alone.

[@aridunnutv139]

Congratulations 🍾

[@ayobamimosaku6678]

Using random figures. How much will the monthly payment be and how do they come up with it. Secondly, can you pay more than the fixed monthly payment

[@moig5172]

Hello Mimi, I love your videos. They are really educative. Can you elaborate on the questions asked at the bank please. Thank you

[@edelqueenc.foundation]

Woww congratulations 🎊🎈 dearly, ur last video I watched was when u planned to return home Naija. Bcos UAE 🇦🇪 wasn’t giving you what u needed. But u finally got job after Buchen ur flight ✈️ ticket to return home. Today u re in Canada 🇨🇦 nd a Landlady on top 🔝 Woww God is Good nd awesome am happy with you dear. Please how did you do d Canada process, am asking for my brother. Congratulations once again nd remain blessed with your lovely family 👍🏽🥳

[@Mimiojieh]

Awwwww thank you so much..you’re absolutely right I almost returned back home🤣. I can go canada through the permanent resident route ( express entry) have document my process in my channel, you can watch the videos about how I applied and document needed. If you have specific questions after that then pls let me know. Thanks again

[@edelqueenc.foundation]

@@Mimiojieh ok dearly, going to watch it straight away 💃🏼🤩more blessings on d way 🙏🏽👍🏽

[@abayomiadisa6201]

Nice contents. You really broke down the process. Congratulations to you both!

[@Mimiojieh]

Thank you so much🙏🏽

[@kardiiobi321]

Thank you for this very detailed information god bless you my questions is please where can I find house new build or how did you make research to get new build houses

[@Mimiojieh]

You can contact the popular builders in Calgary and visit their show room to see what they have .. check Shane homes, Morrison homes, Excel homes etc

[@nonyekaineosimen3435]

Well detailed thanks

[@codingmom8409]

Congratulations 🎉🎉🎉

[@Mimiojieh]

Thanks 🍾🍾🎊

[@mabialaemile8541]

When a house is 1M and plus… 20% is mandatory, you can’t get a mortgage with 5% and 10% (after 500k) like you mentioned. 1M + in canada has some insurance that isn’t covered or something 1) CMHC mortgage insurance is not available for homes priced over $1 million. ( maximum mortgage will be at 800k ) …. 2) you will not be able to benefit from the first time home buyer incentive.( at least in Toronto Vancouver and Victoria) But yeah congratulations on your house and I’m happy for you Also when you give 5% you will have to buy an additional insurance (if I remember correctly) the premium will be included in your mortgage… Also private lenders are good when you flip a house

[@Mimiojieh]

Lol who said my house is 1M hahahahaha how do I afford that🤣. My home is far below 1million and yes I pay CMHC mortgage insurance and this is Alberta so I get the first time home buyer incentive. Also we don’t pay land transfer fees in Alberta and to your last point, I have life insurance premium that covers both home, car, etc. Thanks for the congratulatory message 🙏🏽❤️

[@mabialaemile8541]

@@Mimiojieh no no I'm sorry, maybe I wrote my text wrong, I meant in general. What you said is right... but you mentioned about 1million somewhere in the video So my message was more for the people trying to buy a 1M home 😅😅 so that they do not think 5% will be enough

[@mabialaemile8541]

At 8:06 you said > it was for this Again I'm sorry wasn't trying to sound negative

[@miazormultimedia]

Thanks a lot for the invaluable info.

[@Mimiojieh]

Glad it was helpful!

[@lolao4291]

Congratulations! Thanks for this! Please did you use a realtor or how did you search for houses?

[@Mimiojieh]

I didn’t use a realtor found the house in a neighborhood I like and then contacted the person that listed it. The contact was in the for sale sign. I also have to say that a friend of ours saw the house first and then asked us to come check it out.

[@YinkaOlutoyin]

Thanks for your down to earth openness and congratulations. What pathway did you use to get to Canada please - study, work, PR ........

[@Mimiojieh]

It was PR for us.

[@onomeoghenebrume2447]

Congratulations ma. Which is better for international students to study and live in, Ontario or Calgary?

[@jaybabu2112]

Great video. THank you. Can you buy a house on an open work permit or student visa?

[@alexirabor]

Congratulations 🎉

[@julietchi5480]

Congratulations to you dear

[@kennygee_consults2828]

I did a contract for my broadband to build my credit score.i hope it works because i would like to own a house after I graduate in the UK

[@zena7929]

Thank you so much for being transparent and straightforward. So what if you quit your job n get one few months later will it change anything? Do the banks only care about the mortgage payments?

[@Mimiojieh]

It does not matter if you quit your job after your mortgage

[@oib4463]

Any consequences for defaulting on the mortgage payment?

[@samanthadotta7661]

The sky is the limit for me ❤❤❤in God I trust 😊

[@mercyasso3411]

Congratulations dear...

[@Mimiojieh]

Thank you❤️🙏🏽

[@FranciscaUdofia]

Congratulations

[@osatou.1583]

Congratulations sis

[@Mimiojieh]

Thank you very much❤️

[@folasadelydiaoladipo3850]

Congratulations ma.

[@Mimiojieh]

Thank youuuu❤️

[@toyinanthonymadu1540]

😘 thanks for helping with this video

[@Mimiojieh]

It's my pleasure😘

[@funmilayoolukanni3338]

Hi Mimi, I love your contents. Is the household income gross or net?

[@Kemianny]

Thank you for this

[@chikawilliams2631]

Congratulations dear

[@Mimiojieh]

Thank you