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      • First Time Home Buyer
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      • Get Your Home Evaluated
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Equity Enclave

Signed in as:

filler@godaddy.com

  • My Enclave
  • About us
  • Buying
    • First Time Home Buyer
    • RRSP Home Buyers Plan
    • Land Transfer Tax Benefit
    • HST New Housing Report
  • Selling
    • Seller's Guide
    • Get Your Home Evaluated
  • Mortgages
    • Getting Mortgage
    • Mortgage Rate Comparison
    • Mortgage Affordability
    • Land Transfer Tax
    • CMHC Insurance Calculator
    • Mortgage Payments
  • Market Data
  • FEATURED LISTING
  • Contact Us

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Home Buyers' Plan (HBP): Withdraw up to $60,000 (pe

  • Home Buyers' Plan (HBP): Withdraw up to $60,000 (per person) from your RRSP to buy or build a qualifying home. You must repay it over 15 years, starting two years after your first withdrawal.


  • First Home Savings Account (FHSA): Contribute up to $8,000 per year (up to a lifetime limit of $40,000) to this tax-free savings account. Contributions may be tax-deductible.


  • First-Time Home Buyer Incentive: A shared-equity loan from the government that can reduce your mortgage payments. The government contributes 5% to 10% of the home's purchase price. You repay the amount when you sell the home or after 25 years.


  • Federal First-Time Home Buyer Amount: A non-refundable tax credit of up to $1,500 that can be claimed on your income tax return.


  • GST/HST New Housing Rebate: A rebate for the federal portion of the HST on a new or substantially renovated home.


  • Proposed Ontario HST Rebate: A proposed rebate of the 8% provincial portion of the HST on new homes valued up to $1 million. This would save first-time buyers up to $80,000 if enacted. 


Ontario-specific rebates and incentives

  • Land Transfer Tax (LTT) Refund: Ontario offers a refund of all or part of the LTT for eligible first-time home buyers.


  • Toronto Land Transfer Tax Rebate: An additional rebate of up to $4,475 on the Toronto Land Transfer Tax for eligible first-time buyers who use the property as their principal residence.


  • Provincial LTT Rebate: In addition to the Toronto rebate, you can also apply for the provincial LTT first-time home buyer rebate. Together, these can save you up to $8,475. 

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