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Government programs can save you thousands and make homeownership more affordable. With expert guidance from , you can take full advantage of these opportunities and find your dream home faster.
Discover Your Eligible Home Buyer Programs
Answer 3 quick questions to find out which programs may apply to you.
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You may qualify for
Note: Eligibility may vary. Please check official sites for full details
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Home Buyer’s Plan (HBP)
The HBP allows you withdraw up to $60,000 from your RRSP tax-free to buy or build your first home. You'll have up to 15 years to repay the funds, starting the second year after withdrawal.
Tips
If buying with a partner, each of you can withdraw $60,000, for a combined $120,000 toward your down payment.
Looking for help with Home Buyer’s Plan application?
Who is eligible?
- Canadian resident
- First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
- Have a written agreement to buy or build a qualifying home
- Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
- Located in Canada
- Includes:
- Detached or semi-detachedhomes
- Townhouses
- Condominiums or apartments
- Mobile homes
- Co-ops with equity ownership
First-Home Savings Account (FHSA)
The FHSA is a registered plan that combines the benefits of an RRSP and TFSA — tax-deductible contribution and tax-free withdrawal for your first home. You can contribute up to $8,000 per year, with a lifetime maximum of $40,000.
Who is eligible?
- Canadian resident
- 18 to 71 years old
- First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
- When making a withdrawal:
- Have a written agreement to buy or build a qualifying home
- Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
- Located in Canada
- Includes:
- Detached or semi-detachedhomes
- Townhouses
- Condominiums or apartments
- Mobile homes
- Co-ops with equity ownership
Looking for help with First Home Savings Account?
Tips
Open FHSA early in the year to maximize your annual contributions and investment growth.
Government Programs for Home Buyers
Maximize Your First Home Budget
Curious how to combine the HBP with the FHSA to boost your down payment? Connect with '.$agent_name.' today to build the best strategy for your first home
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Land Transfer Tax Rebates
The LTT is a provincial and/or municipal tax paid when purchasing a property. Some provinces offer rebates for first-time home buyers
Looking for help with your Land Transfer Tax Rebate application?
Who is eligible?
- Canadian citizen and permanent resident
- 18+ years old
- First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
- Plan to occupy the home as your principal residence within 9 months
How much can you get?
- Ontario: Up to $4,000
- Toronto: Up to $4,475 in addition to the Ontario rebate
- British Columbia: Full exemption for homes up to $500,000
- Other provinces vary; check your local rules
Estimate your land transfer tax in seconds. Use our Land Transfer Tax Calculator to see how much tax you’ll pay and any potential rebate you may qualify for.
Have your Land Transfer Tax figured out?
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Home Buyer’s Amount (HBA)
Also known as the First-Time Home Buyers’ Tax Credit (HBTC), this on-refundable tax credit helps with closing costs. You can claim up to $10,000, which translates to a maximum tax reduction of $1,500.
Who is eligible?
- First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
- Bought a qualifying home in Canada
- Plan to occupy the home as your principal residence within one year of purchase
What homes qualify?
- Located in Canada
- Includes:
- Detached or semi-detached homes
- Townhouses
- Condominiums or apartments
- Mobile homes
- Co-ops with equity ownership
See how '.$agent_name.' has helped clients turn their homeownership dreams into reality. Get in touch today to start your own journey.
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CMHC Improvements (Purchase Plus Improvements)
The CMHC Improvement program lets you add eligible renovation costs to your mortgage — up to 10% of the improved value of the home Market value after renovations. . Ideal for buying a fixer-upper or upgrading immediately without a separate loan.
Tips
For owner-built or rental properties, you may qualify for construction financing or small rental loans under different rules.
Sign up for Neighborhood Buzzer to get updates on homes with renovation potential
Who is eligible (1- 2 unit owner-occupied properties)?
- Canadian citizen, permanent resident, or non-permanent resident with a valid work permit
- Minimum credit score of 600
- Purchase price under $1,500,000
- Minimum down payment: 5% on first $500,000 + 10% on the remainder
- Maximum amortization period: 25 years
What homes qualified?
- Located in Canada
- Suitable for full-time, year-round occupancy
- Must have year-round access
GST/HST New Housing Rebate
The rebate allows you recover a portion of the GST or HST paid on a new or substantially renovated home.
Who is eligible?
- Bought from a builder, built your own home, or completed major renovations
- Primary residence for you or a close family member
How much can you get?
- Federal portion: Up to 36% of the GST paid, to a maximum of $6,300
- Provincial portion: Varies by province. For example, you can get up to $24,000 in Ontario
Looking for help with your GST/HST New Housing Rebate application?