Programs and Incentives

Your path to homeownership

Buying a home is a big decision, and I can help guide you through the process. As someone with experience in the Courtice area, a strong track record of successful home sales, and a reputation for excellent customer service. When you make the important decision to buy a home, I am committed to going the extra mile to ensure that all of your needs are successfully met in a professional and honest manner.

The Home Buyers' Plan

Government of Canada

  • The Home Buyers' Plan (HBP) is a federal program that allows first-time homebuyers to withdraw from their registered retirement savings plan (RRSP) to buy or build a qualifying home.

  • You have up to 15 years to repay the amounts withdrawn from your RRSP starting in the second year after you made your first withdrawal.

    This will change to allow the start of repayments up to five years after the first withdrawal (12/31/22 to 12/31/25) on April 16, 2024.

  • The current limit on this program is $35,000. As of April 16, 2024 the amount will increase to $60,000

  • Some of the types of homes that qualify are the following:
    • single-family homes
    • semi-detached homes
    • townhouses
    • condo apartments and townhouses

  • A first-time home buyer generally is defined as someone who has not owned (nor their spouse or common law spouse) or jointly-owned a home in the current year or previous 4 calendar years.


More information:

Canada Home Buyers' Plan



Buying resources

First Home Savings Account

Government of Canada

  • The First Home Savings Account (FHSA) is a registered plan which allows first-time home buyers to save to buy or build a home.

  • Your contributions to the FHSA are tax-deductible, up to $40,000 (lifetime).

More information:

Canada First Home Savings Account



Buying resources

Longer Amortizations

Government of Canada

  • Insured mortgages for first-time homebuyers purchasing newly built homes will be allowed to be amortized up to 30 years.

  • This rule starts August 1, 2024.
Buying resources

Land Transfer Tax Rebate

Government of Ontario, City of Toronto

  • Both the province and City of Toronto offer land transfer tax (LTT) rebates up to $4,000 (Ontario) and $4,475 (Toronto) for first-time homebuyers.

  • In Toronto, the purchaser must be a Canadian citizen or permanent resident.

More information:

Ontario Land Transfer Tax Rebate

Toronto Land Transfer Tax Rebate

Buying resources

30 Year Mortgage

Government of Canada

  • First-time buyers of a newly constructed home can get a 30 year amortization a high-ratio mortgage (80%+ loan amount of home price).

The buyer must meet one of the following criteria:

  • They have never purchased a home before
  • They cannot have occupied a home as a principle residence that they or their current spouse/common-law partner owned
  • They recently had a breakup of a marraige or common-law partnership

More information:

30 Year Mortgages for First-time Buyers of New Builds

Buying resources

How it works

Guiding you the whole way!

As your guide to find your dream home, I will assist you in identifying the perfect property at the right price. Along with drafting a contract, presenting your offer, and setting you up on auto notifications, so you will be among the first to receive updates on new listings. You'll be in a new home in no time!

The Meet

We'll meet and discuss the type of home you are looking for, including style, budget, and location. Well go over any expectations and questions you may have and review any buyer's agent agreements.

The Fun Part

We'll start checking out places that you can see yourself living in, book private showings or visit some open houses! As we get a feel for different places we can adjust your needs and wants list accordingly. I'll also set you up with automatic updates of new listings that hit the market that match what you are looking for.

The sale

After finding the right home it's time to discuss the terms of your offer. I will prepare the necessary paperwork and present the offer to the sellers and negotiate any counteroffers on your behalf. My goal is to get you into your new home with a fair price in a stress free and efficient manner.

Helpful Buying Resources

Tips and Things To Watch For

8 Mistakes to avoid when buying a home

8 Mistakes to avoid when buying a home

The process of buying a new home can be incredibly exciting, yet stressful, all at once. Where do you start?

Buy or sell first?

Buy or sell first?

Use the following as a guide to explore what might be the best move for you.

Buying a home: What expenses to expect

Buying a home: What expenses to expect

Dont' get caught financially unprepared, blindsided by taxes and other hidden costs on closing day.

Hire the right agent: 8 Questions to ask

Hire the right agent: 8 Questions to ask

Use the following as a guide to finding the agent that is right for you.

Home Inspections: Top 10 Problems

Home Inspections: Top 10 Problems

This guide will help you to identify areas for repair or improvement before they grow into costly problems.

How To Set An Offer Price

How To Set An Offer Price

This guide will give tips on determining a fair price range and, from there, establish the price you’re willing to offer.

Ready to make a move?

I look forward to hearing from you!

Buying a home can be an exciting and challenging process, but with the right team and preparation, it can also be a smooth and successful experience. Contact me today to learn more about how I can help you find your dream home!

Buying Form

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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 Toronto Regional Real Estate Board. The data is deemed reliable but is not guaranteed to be accurate.