https://rahuldoesmortgages.ca/assets/atlantic-canada-3CLUidAY.js

1import{j as e,L as s,h as r,a as l,g as x,m,n as h,o,r as u}from"./index-Dlj0clky.js";import{C as p}from"./calculator-CiLsyrMx.js";import{A as f}from"./arrow-right-LqPL2X2G.js";const g=o.filter(t=>t.provinceShort==="NS"),y=o.filter(t=>t.provinceShort==="NB"),v=o.filter(t=>t.provinceShort==="PE"),N=[{to:"/calculator",label:"Mortgage payment calculator",blurb:"Run the Atlantic Canada numbers — stress test, CMHC, amortization."},{to:"/home-buying-cost-calculator",label:"Home buying cost calculator",blurb:"NS deed transfer tax, NB and PEI land transfer tax, legal fees, inspection."},{to:"/rent-vs-buy",label:"Rent vs buy",blurb:"Halifax, Moncton, and Charlottetown rent vs ownership math, side by side."},{to:"/prepayment-calculator",label:"Prepayment calculator",blurb:"How much sooner extra payments knock off your Maritime mortgage."}];function i({items:t}){return e.jsx("div",{className:"mt-6 grid gap-4 sm:grid-cols-2 lg:grid-cols-3",children:t.map(a=>e.jsxs("a",{href:`/${a.slug}-mortgage-broker`,className:"group flex items-start gap-4 roun

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Same lender bench, same evening-and-weekend availability, and fully virtual closings across all three provinces, with in-person meetings around Halifax, Bedford, and Dartmouth when you'd rather sit down face to face."}),e.jsxs("div",{className:"mt-7 flex flex-wrap gap-3",children:[e.jsx("a",{href:"/book",className:"inline-flex items-center justify-center rounded-xl bg-gold px-6 py-3 text-[15px] font-semibold text-navy shadow-sm transition-transform hover:-translate-y-0.5",children:"Book a free call"}),e.jsx(l,{variant:"light"})]}),e.jsxs("p",{className:"mt-6 text-[13px] text-muted-foreground",children:[e.jsx("span",{className:"text-gold",children:"★★★★★"})," 330+ 5-star reviews · NS Broker #3000996 · NB License #260053601 · Serving PEI directly · 50+ lenders · Free service"]})]}),e.jsxs("section",{className:"mt-14 max-w-3xl",children:[e.jsx("h2",{className:"font-serif text-3xl font-medium tracking-tight text-navy sm:text-4xl",children:"Programs that matter across Atlantic Canada"}),e.jsxs("div",{className:"mt-6 space-y-5 text-[17px] leading-relaxed text-charcoal/85",children:[e.jsxs("p",{children:[e.jsx("strong",{children:"Nova Scotia 2% Down Program (NS only)."})," ","Nova Scotia's flagship first-time buyer program lends you an interest-free 2% of the purchase price toward your down payment, repayable over ten years. The price cap is roughly $570,000 in the Halifax Regional Municipality and lower in other parts of the province, which covers most peninsula condos and starter homes. It is a Nova Scotia program — New Brunswick and PEI buyers can't use it, so we build their down payment a different way."]}),e.jsxs("p",{children:[e.jsx("strong",{children:"Deed and land transfer tax differ in every province."})," ","Nova Scotia charges a municipal deed transfer tax that runs up to 1.5% in HRM and less in some counties, plus a 10% non-resident tax where it applies. New Brunswick charges 1% of the greater of the assessed value or the purchase price. PEI charges 1% with an exemption for qualifying first-time buyers. On a $500,000 purchase that spread is thousands of dollars of closing cash — our"," ",e.jsx(s,{to:"/land-transfer-tax-nova-scotia-new-brunswick-pei",className:"font-semibold text-navy underline decoration-gold underline-offset-4 hover:text-gold",children:"NS, NB & PEI land transfer tax guide"})," ","runs the exact number before you write an offer."]}),e.jsxs("p",{children:[e.jsx("strong",{children:"FHSA + RRSP Home Buyers' Plan stacking."})," ","The federal First Home Savings Account lets you contribute $8,000 a year up to $40,000, deductible going in and tax-free coming out for a qualifying home. The RRSP Home Buyers' Plan adds up to $60,000 per buyer. Stacked between two partners in Atlantic Canada's price range, that's frequently the entire down payment plus closing costs — and in Nova Scotia it can layer on top of the 2% Down Program."]}),e.jsxs("p",{children:[e.jsx("strong",{children:"The federal stress test still applies."})," ","Every insured and most uninsured files qualify at the contract rate plus 2%, or 5.25%, whichever is higher — identical in NS, NB, and PEI. Atlantic prices are gentler than Toronto or Vancouver, but the stress test is what actually sets your maximum, so we run it on every file before pre-approval. The number we give you is the number that closes."]})]})]}),e.jsxs("section",{className:"mt-16",children:[e.jsx("h2",{className:"font-serif text-3xl font-medium tracking-tight text-navy sm:text-4xl",children:"Cities we serve across Atlantic Canada"}),e.jsx("h3",{className:"mt-8 font-serif text-2xl font-medium tracking-tight text-navy",children:"Nova Scotia"}),e.jsx(i,{items:g}),e.jsx("h3",{className:"mt-12 font-serif text-2xl font-medium tracking-tight text-navy",children:"New Brunswick"}),e.jsx(i,{items:y}),e.jsx("h3",{className:"mt-12 font-serif text-2xl font-medium tracking-tight text-navy",children:"Prince Edward Island"}),e.jsx(i,{items:v})]}),e.jsxs("section",{className:"mt-16 max-w-3xl",children:[e.jsx("h2",{className:"font-serif text-3xl font-medium tracking-tight text-navy sm:text-4xl",children:"Run the numbers"}),e.jsx("div",{className:"mt-8 grid gap-4 sm:grid-cols-2",children:N.map(t=>e.jsxs(s,{to:t.to,className:"group rounded-2xl border border-border bg-background p-6 transition-all hover:-translate-y-0.5 hover:border-gold hover:shadow-md",children:[e.jsx(p,{size:18,className:"text-gold"}),e.jsx("h3",{className:"mt-3 font-serif text-[18px] font-medium text-navy",children:t.label}),e.jsx("p",{className:"mt-2 text-[14.5px] leading-relaxed text-charcoal/80",children:t.blurb}),e.jsxs("span",{className:"mt-3 inline-flex items-center gap-1 text-[13px] font-medium text-gold",children:["Open ",e.jsx(r,{size:14,className:"transition-transform group-hover:translate-x-0.5"})]})]},t.to))})]}),e.jsxs("section",{className:"mt-16 max-w-3xl",children:[e.jsx("h2",{className:"font-serif text-3xl font-medium tracking-tight text-navy sm:text-4xl",children:"Why Atlantic Canada homeowners work with Rahul"}),e.jsx("ul",{className:"mt-6 space-y-3 text-[17px] text-charcoal/85",children:["Licensed in Nova Scotia (#3000996) and New Brunswick (#2600

153601), and serving PEI directly — one broker for the whole region.","50+ lenders shopped on every file — banks, Maritime credit unions, monolines, B and private.","Same-day pre-approvals with 90–120 day rate holds so you can house-hunt with confidence.","Evenings, Saturdays, and WhatsApp answered — we work around your schedule, not bank hours.","Service in Persian, Hindi, Punjabi, Gujarati, Vietnamese, Indonesian, Arabic, and English."].map(t=>e.jsxs("li",{className:"flex gap-3",children:[e.jsx(x,{size:20,className:"mt-1 shrink-0 text-gold","aria-hidden":!0}),e.jsx("span",{children:t})]},t))})]}),e.jsxs("section",{className:"mt-16 max-w-3xl",children:[e.jsx("h2",{className:"font-serif text-3xl font-medium tracking-tight text-navy sm:text-4xl",children:"FAQ"}),e.jsx(b,{items:m}),e.jsxs("p",{className:"mt-6 text-[15px] text-charcoal/80",children:["Looking for your specific city?"," ",e.jsx(s,{to:"/locations",className:"font-semibold text-navy underline decoration-gold underline-offset-4 hover:text-gold",children:"See all locations"}),"."]})]}),e.jsxs("section",{className:"my-20 rounded-3xl bg-navy px-7 py-12 text-primary-foreground sm:px-12 sm:py-14",children:[e.jsx("h2",{className:"font-serif text-3xl font-medium tracking-tight sm:text-4xl",children:"Ready to talk to an Atlantic Canada mortgage broker?"}),e.jsx("p",{className:"mt-4 max-w-2xl text-[17px] leading-relaxed text-primary-foreground/85",children:"Free 15-minute call. We'll run your province's land transfer tax, map your FHSA + HBP stack, and tell you the real maximum your file qualifies for."}),e.jsxs("div",{className:"mt-7 flex flex-wrap gap-3",children:[e.jsx("a",{href:"/book",className:"inline-flex items-center justify-center rounded-xl bg-gold px-6 py-3 text-[15px] font-semibold text-navy shadow-sm transition-transform hover:-translate-y-0.5",children:"Book a free call"}),e.jsx(l,{variant:"onDark"})]})]})]})})}function b({items:t}){return e.jsx("div",{className:"mt-6 divide-y divide-border rounded-2xl border border-border bg-background",children:t.map((a,n)=>e.jsx(j,{q:a.q,a:a.a},n))})}function j({q:t,a}){const[n,c]=u.useState(!0);return e.jsxs("details",{open:n,onToggle:d=>c(d.target.open),className:"group px-6 py-5 [&_summary::-webkit-details-marker]:hidden",children:[e.jsxs("summary",{className:"flex cursor-pointer list-none items-start justify-between gap-4",children:[e.jsx("h3",{className:"font-serif text-[18px] font-medium text-navy",children:t}),e.jsx(r,{size:18,"aria-hidden":!0,className:"mt-1 shrink-0 text-charcoal transition-transform group-open:rotate-90"})]}),e.jsx("p",{className:"mt-3 text-[16px] leading-relaxed text-charcoal/85",children:a})]})}export{B as component};