First Time Homebuyer
You can count on Shelby to listen to your needs and support your financial goals with advice and recommendations that are based on her experience and deep knowledge of the mortgage industry.
Buying your first home can be both exciting and stressful, but it can also be very expensive, especially if you don’t have any pre-existing assets to help you get a mortgage, as is the case with most first time homebuyers.
In fact, most first time homebuyers need to draw from their savings to pay for their down payment, and for the closing costs that come with purchasing a home.
In an effort to make buying your first home easier, the Canadian government offers a variety of incentives for first time homebuyers, which Shelby strongly recommends you research and consider.
There are many options, which can be a bit confusing but Shelby can help walk you through them in a way that is easy to understand, ensuring you understand all of your options.
Work with Shelby to understand how she can help you – not just now, but in the future as well.
First Time Homebuyer Resources
First Time Home Buyer Incentive
As part of the government’s National Housing Strategy, The First-Time Home Buyer Incentive helps people across Canada purchase their first home.
Here you will learn about:
- What the incentive is
- Who is eligible for the incentive
- How to apply for the incentive
Home Buyers Plan (HBP)
The Home Buyers’ Plan (HBP) is a program that allows you to withdraw funds from your Registered Retirement Savings Plans (RRSPs) to buy or build a qualifying home for yourself or for a related person with a disability.
On this site you will learn:
- How to participate in the HBP
- RRSP withdrawal conditions
- Forms and additional information