text: Try to get the house in your name only.  If you cannot qualify for the payment by yourself, but you have good credit, you will need compare the rate with both of you vs. the rate for you alone on a "no income verification" loan.\n\n20% is a great down payment.  More than that usually does not give significant benefits, but may depending on the loan type.  There are a lot of mortgage brokers in Canada.  Tell them what your scores are, and what you want to do.  They should be able to give you information without pulling your credit so you can compare rates and fees.