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First-Time Buyer Resources

Take advantage of every opportunity to make your home buying journey easier

Buying your first property can come with a lot of questions—and a whole lot of advice from every direction. I’m here to simplify it. Whether you’re casually browsing or actively preparing to buy, you deserve clear, practical guidance. This page includes the key programs, rebates, and tools that can help you buy smarter, not harder—and avoid those “I wish I’d known” moments.

💡 Pro tip: Even if you're still a year or two away from buying, opening an FHSA or talking to a mortgage broker early can help you move faster when the time comes.

I work with a lot of first-time buyers, and here’s what I know: most people aren’t looking for a crash course in real estate. They want to feel informed, supported, and prepared. That’s what this page is all about. These resources will help you understand your options, tap into real savings, and move forward with clarity and confidence. When you’re ready, I’ll be here to walk you through the rest.

Programs & Incentives You Should Know About

First Home Savings Account (FHSA)

Save up to $40,000 tax-free

First-time buyers can save up to $40,000 tax-free for their first home.

Home Buyers' Plan (HBP)

Withdraw up to $60,000 from your RRSP

The Home Buyers' Plan (HBP) lets you withdraw up to $60,000 from your RRSP to buy or build a qualifying home for yourself or a specified disabled person.

First Time Home Buyer Tax Credit (HBTC)

Claim up to $10,000

Eligible homebuyers can claim up to $10,000 through the Home Buyers' Amount (line 31270) on their tax return.

Land Transfer Tax Rebate

Get a rebate of up to $4,000

First-time buyers in Ontario can get a rebate of up to $4,000, plus an extra municipal rebate in Toronto.

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This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered via the website. The data relating to real estate on this website comes in part from the MLS® Reciprocity program of the PropTx MLS®. The data is deemed reliable but is not guaranteed to be accurate.