Unlock Your First Home: First-Time Buyer Programs

Thinking about buying your first home in Ontario?
You're in the right place. Whether you're dreaming of a downtown condo, a cozy suburban house, or something in between, we’ll guide you through the process—and help you take advantage of all the incentives and programs available just for first-time buyers.

 

💰 First-Time Home Buyer Incentives in Ontario

Here are just a few of the benefits you may qualify for:

✅ Land Transfer Tax Rebate

Save up to $4,000 on your Ontario Land Transfer Tax—and even more if you're buying in Toronto!

✅ First-Time Home Buyer Incentive (FTHBI)

A government-shared equity program that can reduce your monthly mortgage payments. You could receive 5% or 10% of the home’s purchase price.

✅ Home Buyers’ Plan (HBP)

Withdraw up to $60,000 from your RRSP—tax-free—to use toward your down payment.

✅ First Home Savings Account (FHSA)

A brand new way to save for your home, combining the best of an RRSP and TFSA. Contribute up to $8,000/year, tax-free.
 

📋 Am I Eligible?

If you're a Canadian citizen or permanent resident, haven’t owned a home in the last four years, and plan to live in the property as your principal residence, you’re likely eligible for one or more of these programs.

Let’s talk—we’ll help you determine exactly which programs you qualify for and how to apply. 

👋 Let’s Start Your Journey Today

The best way to take advantage of these incentives is by working with a Realtor who knows how to navigate the system.  Fill out the form on this page to get started.