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Government Grant & Tax Rebate Ready

Supporting First-Time
Home Buyers in Ontario

Entering the real estate market is a major step. Fortunately, the Canadian and Ontario governments offer specialized structural programs designed to lower your initial down payment requirements, reduce land transfer tax burdens, and provide tax-sheltered savings methods to help you purchase your first property.

Ontario Land Transfer Tax Rebate

First-time buyers qualify for a rebate matching the full amount of land transfer taxes up to **$4,000**, which completely offsets tax costs for homes under $368,000.

First Home Savings Account (FHSA)

Save up to **$8,000** annually (tax-deductible contributions) to a lifetime cap of **$40,000**. All investment growth and eventual withdrawals for your home purchase are **100% tax-free**.

Qualified Mortgage Pre-Approval

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What is your primary financing goal?

Select one option to customize your rate matrix.

First-Time Buyer Down Payment Strategies

The RRSP Home Buyers' Plan (HBP)

Under the expanded federal guidelines, you can withdraw up to **$60,000** (or $120,000 for a couple) tax-free from your Registered Retirement Savings Plan (RRSP) to use as a down payment. You have up to 15 years to repay the withdrawn amount back into your RRSP, making it a highly effective liquidity tool.

Credit Optimization & Pre-Approval

Lenders analyze your credit score to determine your interest rate eligibility. Dallas Martin helps first-time buyers evaluate their credit scores, optimize their debt-service ratios, and pre-qualify for clean low-interest products, avoiding premium alternative fees.

Maximize Your Incentives

Estimate how your retirement accounts and savings accounts can stack together with regional homebuying grants to secure your upcoming purchase.

2026 Government Grant Stacking Tool

2026 First Time Buyer Incentive Stacking Calculator

Determine how to stack your FHSA accounts, RRSP Home Buyers Plans, Ontario land transfer tax rebates, and newly built HST rebates for maximum buying leverage.

$480,000
$
$150k$2.0M

Eligible Down Payment Stacking

Your FHSA Balance$40,000
Spouse FHSA Balance$40,000
Your RRSP HBP Limit$60,000
Spouse RRSP HBP Limit$60,000

Stacked Benefits Output

Stacked Down Payment Capital$200,000
Covers 41.7% of Property
Ontario Land Transfer Tax$6,075
↳ First Time Buyer Refund-$4,000
Net Land Transfer Tax Due$2,075
Total Realized Government Savings

Stacked HST rebate & LTT refund.

$4,000

🔒 Secure My 120-Day Wholesale Rate Lock & Claim These Rebates

Wholesale mortgage margins expire rapidly. Submit your estimated calculation parameters below to lock your rates and prequalify for all stacked government programs.

* Under 2026 Canadian federal guidelines, eligible individuals can withdraw up to sixty thousand dollars tax free from their Registered Retirement Savings Plan under the Home Buyers Plan, or up to one hundred twenty thousand dollars combined as a spousal couple. The First Home Savings Account offers an additional tax deductible contribution limit up to forty thousand dollars per individual or eighty thousand dollars stacked. Purchasing a pre construction or newly built primary residence qualifies for the expanded 2026 Ontario HST new housing rebate of up to one hundred thirty thousand dollars for properties valued up to one million five hundred thousand dollars, phasing out linearly to twenty four thousand dollars for properties valued between one million five hundred thousand dollars and one million eight hundred fifty thousand dollars. Speak with Dallas Martin today to lock in your qualifying regional rebates.