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    KHOULANI REAL ESTATE GROUP

    First-time buyers

    Buying your first home? Here is the help available.

    Canada and Ontario offer several programs that can save first-time buyers thousands of dollars. Here is a plain-language summary of the main ones, updated for 2026.

    Search homesCall (905) 272-9999
    Programs

    Savings for first-time buyers.

    First Home Savings Account

    $40,000

    Save up to $8,000 a year, tax-free, toward your first home. Contributions are tax-deductible and withdrawals for your home are not taxed.

    RRSP Home Buyers’ Plan

    $60,000

    Withdraw up to $60,000 per person from your RRSP, or $120,000 as a couple, and repay it over 15 years.

    Details →

    Land transfer tax refunds

    Up to $8,475

    Up to $4,000 back on Ontario land transfer tax, plus up to $4,475 on Toronto’s municipal tax if you buy in Toronto.

    Details →

    GST rebate on new homes

    Up to $50,000

    First-time buyers of a newly built home can get back the full 5% GST on homes up to $1 million, phasing out up to $1.5 million.

    Details →

    Home Buyers’ Tax Credit

    $1,500

    Claim $10,000 on your tax return the year you buy, worth up to $1,500 in tax savings.

    Each program has its own rules on who counts as a first-time buyer, timing and how to apply. This is general information, not tax or legal advice. Confirm details with the CRA, the Ontario Ministry of Finance, your lawyer or your accountant.

    Your first purchase

    How it works, step by step.

    Get pre-approved

    Know your budget before you shop, and lock in a rate.

    Plan your savings

    Combine your FHSA and Home Buyers’ Plan for your down payment.

    Find the home

    We send you new listings first and tour homes with you.

    Make an offer

    We set the price strategy and negotiate the conditions.

    Close and claim

    Your lawyer claims the land transfer tax refund on closing.

    Start looking

    Find your first home

    Hanna Al-Khoulani
    Web4Realty
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    Terms of Use & Privacy

    General Terms of Use

    Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern this site’s owner’s relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.

    Listing Data were last updated: 2026-11-13 02:58:26

    Listing Objects were last updated: 2026-11-12T04:16:59.984024Z

    Terms of Use & Privacy

    • The content of the pages of this website is for your general information and use only. It is subject to change without notice.
    • Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
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    • From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
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    Terms of Use

    • This representation is based in whole or in part on data generated by the Real Estate Board/Website Administrator which assumes no responsibility for its accuracy. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose.
    • All MLS® data obtained from this Virtual Office Website ('VOW') is intended only for your personal, non-commercial use.
    • You have a bona fide interest in the purchase, sale, or lease of real estate of the type being offered through this VOW.
    • You will not copy, redistribute, retransmit, or otherwise use any of the data or Listing Information provided, except in connection with your consideration of the purchase, sale, or lease of an individual property.
    • Real Estate Board/Website Administrator ownership of and the validity of Real Estate Board’s proprietary rights and copyright in the MLS® database, MLS® data, Real Estate Board's MLS® System, and Listing Information.
    • You will not, directly or indirectly, display, post, disseminate, distribute, publish, broadcast, transfer, sell or sublicense any Listing Information to another individual or entity. The prohibited uses expressly include ‘scraping’ (including ‘screen scraping’ and ‘database scraping’), ‘data mining’ or any other activity intended to collect, store, re-organize, summarize or manipulate any Listing Information or any related data.
    • The Terms of Use agreement also expressly authorizes Real Estate Board, and other Real Estate Board Members or their duly authorized representatives, to access the VOW for the purposes of verifying compliance with MLS® Rules and Policies (including the VOW Rules) and monitoring the display of Members’ Listings by the VOW.
    • Consent to the fact that your Personal Information, including first and last name, email address, and phone number may be collected, used or disclosed. The personal information may be shared with Real Estate Board for auditing and/or legal purposes.

    Privacy

    • My website automatically gathers certain usage information like the numbers and frequency of visitors. This data helps me determine how many visitors use parts of the website, so I can improve my website to assure that it is as appealing as I can make it for as many of you as possible.
    • We use a technology called "cookies" that tells us how and when pages in our website are visited, and by how many people. These cookies do not collect personally identifiable information and we do not combine information collected through these cookies with other personally identifiable information to tell us who you are or even what your email address is.
    • We may provide statistical "ratings" information, never information about you personally, to our partners about how our clients and visitors, collectively. We do this so they too can understand how much people use their areas and our website in order for them to provide you with the best possible Web experience.
    • We will only transmit or ask for personal information over secure Internet connections, using SSL (Secure Sockets Layer) encryption, the currently accepted standard for online security, and security keys.
    • We may use your information to let you know of additional products and services which you might be interested. We may ask you for information about your interests so that both you and we can take advantage of the interactivity of the online medium, but you may always choose to respond or not, or opt out of future mailings.
    • We will not share your personal information to any third party, unless requested in response to legal processes, such as a court order or subpoena.
    • Whenever personal information about you is stored on our computers, that information is password-protected from unauthorized access or use. In addition, this information is kept on servers that are located behind a firewall.
    • This website may contain links to other websites. We are not responsible for the privacy practices or the content of such websites.
    • If we elect to change our privacy policy, you will be notified, and we will post those changes here so that you will always know what information we gather, how we might use that information and whether we will disclose it to anyone.

    IDX information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that data is deemed reliable but is not guaranteed accurate by the MLS®.

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