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Unlock Home Buyer Programs with Coldwell Banker Momentum Realty, Brokerage

Government programs can save you thousands and make homeownership more affordable. With expert guidance from Coldwell Banker Momentum Realty, Brokerage , you can take full advantage of these opportunities and find your dream home faster.

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Discover Your Eligible Home Buyer Programs

Answer 3 quick questions to find out which programs may apply to you.

1 of 3

You may qualify for

 

Note: Eligibility may vary. Please check official sites for full details

Start exploring homes with our Dream Home Finder and make the most of the programs you may qualify for.

Find Your Home

We didn't find a match in our current list of programs and rebates.

But don't worry — our list doesn't include every program across all provinces, and eligibility can vary, so you may still have options available.

Use our Dream Home Finder to explore homes today and be ready for opportunities when programs become available.

Find Your Home

or share your results with Coldwell Banker Momentum Realty, Brokerage to confirm your eligibility and find the best savings.

Or send your results to Coldwell Banker Momentum Realty, Brokerage to review your situation and find more ways to save on your home.

 

Have Questions?

By submitting this form, I agree to be contacted by Coldwell Banker Momentum Realty, Brokerage via email, phone, and text about real estate services. Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. Reply STOP to unsubscribe from calls and texts. To stop receiving emails, click Unsubscribe in any email. See our Privacy Policy and Terms of Service for more information.
Disclaimer By entering my contact information I give my express consent to be contacted by 'Coldwell Banker Momentum Realty, Brokerage' and or real estate salespeople on behalf of 'Coldwell Banker Momentum Realty, Brokerage' to discuss potential services.

Home Buyer’s Plan (HBP)

The HBP allows you withdraw up to $60,000 from your RRSP tax-free to buy or build your first home. You'll have up to 15 years to repay the funds, starting the second year after withdrawal.

Tips

If buying with a partner, each of you can withdraw $60,000, for a combined $120,000 toward your down payment.

Looking for help with Home Buyer’s Plan application?

Connect Now
Who is eligible?
  • Canadian resident
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Have a written agreement to buy or build a qualifying home
  • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Check Out Some of Coldwell Banker Momentum Realty, Brokerage ’s listings that could qualify for the Home Buyer’s Plan.

First-Home Savings Account (FHSA)

The FHSA is a registered plan that combines the benefits of an RRSP and TFSA — tax-deductible contribution and tax-free withdrawal for your first home. You can contribute up to $8,000 per year, with a lifetime maximum of $40,000.

Who is eligible?
  • Canadian resident
  • 18 to 71 years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • When making a withdrawal:
    • Have a written agreement to buy or build a qualifying home
    • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Looking for help with First Home Savings Account?

Connect Now

Tips

Open FHSA early in the year to maximize your annual contributions and investment growth.

Government Programs for Home Buyers


Maximize Your First Home Budget

Curious how to combine the HBP with the FHSA to boost your down payment? Connect with Coldwell Banker Momentum Realty, Brokerage today to build the best strategy for your first home

Coldwell Banker Momentum Realty, Brokerage
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At Coldwell Banker Momentum Realty, Brokerage we uphold an ongoing commitment to providing an elevated level of personal service. Our clients come first, and as a result, they are able to achieve more than they ever dreamed with their real estate investment.

Because we expect more from our associates, you can expect more from us when it comes to the important sale or purchase of your property. When it comes to your next move, we want you to experience the difference exceptional real estate service can make.

Contact us today, for free real estate advice, to find your nearest sales associate or to find your dream home!

Have Questions?

By submitting this form, I agree to be contacted by Coldwell Banker Momentum Realty, Brokerage via email, phone, and text about real estate services. Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. Reply STOP to unsubscribe from calls and texts. To stop receiving emails, click Unsubscribe in any email. See our Privacy Policy and Terms of Service for more information.
Disclaimer By entering my contact information I give my express consent to be contacted by 'Coldwell Banker Momentum Realty, Brokerage' and or real estate salespeople on behalf of 'Coldwell Banker Momentum Realty, Brokerage' to discuss potential services.

Land Transfer Tax Rebates

The LTT is a provincial and/or municipal tax paid when purchasing a property. Some provinces offer rebates for first-time home buyers

Looking for help with your Land Transfer Tax Rebate application?

Connect Now
Who is eligible?
  • Canadian citizen and permanent resident
  • 18+ years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Plan to occupy the home as your principal residence within 9 months
How much can you get?
  • Ontario: Up to $4,000
  • Toronto: Up to $4,475 in addition to the Ontario rebate
  • British Columbia: Full exemption for homes up to $500,000
  • Other provinces vary; check your local rules

Estimate your land transfer tax in seconds. Use our Land Transfer Tax Calculator to see how much tax you’ll pay and any potential rebate you may qualify for.

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Home Buyer’s Amount (HBA)

Also known as the First-Time Home Buyers’ Tax Credit (HBTC), this on-refundable tax credit helps with closing costs. You can claim up to $10,000, which translates to a maximum tax reduction of $1,500.

Who is eligible?
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Bought a qualifying home in Canada
  • Plan to occupy the home as your principal residence within one year of purchase
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detached homes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

See how Coldwell Banker Momentum Realty, Brokerage has helped clients turn their homeownership dreams into reality. Get in touch today to start your own journey.

 

TESTIMONIALS

    CMHC Improvements (Purchase Plus Improvements)

    The CMHC Improvement program lets you add eligible renovation costs to your mortgage — up to 10% of the improved value of the home Market value after renovations. . Ideal for buying a fixer-upper or upgrading immediately without a separate loan.

    Tips

    For owner-built or rental properties, you may qualify for construction financing or small rental loans under different rules.

    Sign up for Neighborhood Buzzer to get updates on homes with renovation potential

    Get Neighborhood Updates
    Who is eligible (1- 2 unit owner-occupied properties)?
    • Canadian citizen, permanent resident, or non-permanent resident with a valid work permit
    • Minimum credit score of 600
    • Purchase price under $1,500,000
    • Minimum down payment: 5% on first $500,000 + 10% on the remainder
    • Maximum amortization period: 25 years
    Note: Eligibility criteria vary for 3 - 4 unit owner-occupied properties
    What homes qualified?
    • Located in Canada
    • Suitable for full-time, year-round occupancy
    • Must have year-round access

    GST/HST New Housing Rebate

    The rebate allows you recover a portion of the GST or HST paid on a new or substantially renovated home.

    Who is eligible?
    • Bought from a builder, built your own home, or completed major renovations
    • Primary residence for you or a close family member
    How much can you get?
    • Federal portion: Up to 36% of the GST paid, to a maximum of $6,300
    • Provincial portion: Varies by province. For example, you can get up to $24,000 in Ontario

    Looking for help with your GST/HST New Housing Rebate application?

    Connect Now
     

    Have Questions?

    By submitting this form, I agree to be contacted by Coldwell Banker Momentum Realty, Brokerage via email, phone, and text about real estate services. Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. Reply STOP to unsubscribe from calls and texts. To stop receiving emails, click Unsubscribe in any email. See our Privacy Policy and Terms of Service for more information.
    Disclaimer By entering my contact information I give my express consent to be contacted by 'Coldwell Banker Momentum Realty, Brokerage' and or real estate salespeople on behalf of 'Coldwell Banker Momentum Realty, Brokerage' to discuss potential services.