Your First Home
Starts Here
Stack FHSA + RRSP programs for up to $75,000 in tax-advantaged down payment funds. We guide you through every government incentive available to first-time buyers in Canada.
$75K
FHSA + HBP combined max
5%
Minimum down payment
$4K
Land Transfer Tax rebate
$1,500
First Home Tax Credit
First Time Buyers
Every first-time buyer incentive, stacked for you
Buying your first home in Canada comes with real advantages most buyers don't fully use. From the Tax-Free First Home Savings Account to the Home Buyers' Plan and provincial rebates, we make sure you're claiming every dollar available.
First Home Savings Account (FHSA)
Contribute up to $8,000/year tax-free. Withdrawals for a qualifying purchase are also tax-free — best of both worlds.
Home Buyers' Plan (RRSP)
Withdraw up to $35,000 from your RRSP tax-free. Combine with FHSA for a combined $75,000 down payment fund.
Land Transfer Tax Rebate
Ontario first-time buyers receive up to $4,000 on provincial LTT. Toronto adds a municipal rebate of up to $4,475.
CMHC Insured Mortgage
Buy with as little as 5% down when CMHC insures your mortgage. Premium is added to your balance, not paid upfront.
Stress Test Navigation
We prep your application to qualify at contract rate + 2%, so you pass the stress test with your budget intact.
First-Time Buyer Education
We walk you through closing costs, lawyers, home inspection, title insurance — no surprises at closing.
Exploring your options beyond first-time programs? Our home purchase guide compares conventional, CMHC-insured, and high-value mortgages side by side.
Your first purchase, step by step
Simple, transparent, and built around you.
Know your down payment
We calculate what you have between savings, FHSA, and RRSP — and what government programs apply.
30 min consultGet pre-approved
Lock your rate for 120 days. Understand your exact purchase limit before you start visiting open houses.
24 hoursFind your home
Shop confidently with a pre-approval letter. Your realtor knows you can close.
At your paceClose & move in
We handle underwriting, appraisal, and lender conditions. You pick up your keys.
Avg. 21 days“I had no idea about the FHSA until my advisor explained it. We combined it with our RRSP and ended up putting 15% down — way more than we thought we could. Incredible experience.”
Priya & Rohan M.
Brampton, ON
Common questions
Let's get you into your first home
We'll stack every government program available to you and find the best rate from 30+ lenders. Free consultation, no obligation.