Incom New Demo Office

Phone:
403-555-0142
Toll free:
1-888-555-0155
Fax:
403-555-0175
Contact Us

Incom New Demo Office

Phone:
403-555-0142
Toll free:
1-888-555-0155
Fax:
403-555-0175
Contact Us

Unlock Home Buyer Programs with

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

Discover Your Eligible Home Buyer Programs

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

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.

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.

or share your results with to confirm your eligibility and find the best savings.

Or send your results to to review your situation and find more ways to save on your home.

 

Have Questions?

Have Questions?

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?

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 Incom New Demo Office ’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?

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  today to build the best strategy for your first home

 
 
 
Read More

Have Questions?

At Incom New Demo Office 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!

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?

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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Have your Land Transfer Tax figured out?

Receive updates on newly listed properties in your area and make your next move easier.

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 '.$agent_name.' has helped clients turn their homeownership dreams into reality. Get in touch today to start your own journey.

 

TESTIMONIALS

  • Buying a home can be overwhelming, but Allan made the process smooth and stress-free. He was extremely knowledgeable, always available for questions, and truly understood what I was looking for. Thanks to his expertise, I found a home I absolutely love! I’m so grateful for his help and would recommend him to anyone looking to buy or sell.

    Hailey Smith
  • I had a wonderful experience selling my home with Allan. He provided excellent advice and a clear strategy and was always available to guide me through the process. Thanks to his effort, my home sold quickly and at a great price. If you're looking for a realtor who is experienced, reliable, and results-driven, look no further than Allan. 

    Amy Jackson
  • Benjamin really brought something special to our home search. He found us this amazing loft that fit both our budget and style perfectly. His advice was always spot-on, and he worked so hard to make the whole buying process feel smooth and stress-free. Honestly, we couldn’t have asked for a better agent.

    Olivia Brown
  • With the market being as tough as it is, I felt really well taken care of. Benjamin was practical, honest and always there when I had questions. The level of care and attention to detail was seriously impressive. We’re so grateful for everything you did, it made a big difference.

    Daniel Betts
  • Charlotte totally got what we were looking for. We wanted a fun neighbourhood with good nightlife and easy access to transit, and he found us the perfect place. She really knew the area and gave us great advice along the way. The whole process felt surprisingly easy thanks to her, and we’re so happy with how everything turned out.

    Robert Lucas
  • As first-time homebuyers, we were definitely nervous and didn’t know what to expect, especially with how wild the market is right now. But Charlotte encouraged us to see as many places as we could, which really helped us feel more confident about our decision. She answered all our questions and stayed on top of even the smallest details. She was thoughtful, patient and clearly knew her stuff. We’ll absolutely be recommending her to friends and family. 

    Andrew Smith
  • Emma totally got what we were looking for. We wanted a fun neighbourhood with good nightlife and easy access to transit, and she found us the perfect place. She really knew the area and gave us great advice along the way. The whole process felt surprisingly easy thanks to her, and we’re so happy with how everything turned out.

    Alexander Grahm
  • Emma really brought something special to our home search. She found us this amazing loft that fit both our budget and style perfectly. Her advice was always spot-on, and she worked so hard to make the whole buying process feel smooth and stress-free. Honestly, we couldn’t have asked for a better agent.

    Tylor Hill
  • Working with Ethan was a fantastic experience! From the very beginning, he took the time to understand exactly what we were looking for and helped us find the perfect property. He was knowledgeable about the area, kept us updated regularly, and made sure we had all the information we needed to make an informed decision. We couldn’t be happier with the service and results! 

    John Smith
  • Ethan has been fantastic! I inquired about some apartments, and he jumped right on it and sourced many emails with possible choices. I am amazed at his level of dedication!

    David Jones
  • As first-time homebuyers, we were definitely nervous and didn’t know what to expect, especially with how wild the market is right now. But Lucas encouraged us to see as many places as we could, which really helped us feel more confident about our decision. He answered all our questions and stayed on top of even the smallest details. He was thoughtful, patient and clearly knew his stuff. We’ll absolutely be recommending him to friends and family. 

    Sharron Tate
  • Lucas really brought something special to our home search. He found us this amazing loft that fit both our budget and style perfectly. His advice was always spot-on, and he worked so hard to make the whole buying process feel smooth and stress-free. Honestly, we couldn’t have asked for a better agent.

    Roman S.
  • I can’t praise Nora enough! Finding trustworthy tenants for my townhouse was seamless with her. She’s professional, friendly, and quick to respond, with deep market insight. Jennifer explained leasing clearly, always prioritizing my needs. She’s exceptional, going the extra mile – I’d happily work with her again!

    Norman Smith
  • With the market being as tough as it is, I felt really well taken care of. Nora was practical, honest and always there when I had questions. The level of care and attention to detail was seriously impressive. We’re so grateful for everything you did, it made a big difference.

    Nicolos Cage
  • I had a wonderful experience selling my home with Sophia. She provided excellent advice, a clear strategy, and was always available to guide me through the process. Thanks to her effort, my home sold quickly and at a great price. If you're looking for a realtor who is experienced, reliable, and results-driven, look no further than Sophia.

    Chloe Perez
  • Sophia was such a lifesaver. She helped us find a spacious home that was perfect for our family, even with our long wish list. She was incredibly patient, knew the area inside out, and made the whole experience feel exciting instead of overwhelming. We honestly couldn’t have asked for a better agent. 

    Emilia Clarke

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

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?

 

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