Your Buying Journey
Click each step to learn what you need to do, what forms you'll sign, and what to expect
First-Time Home Buyer Programs
Financial assistance programs you may qualify for
Home Buyers' Plan (Federal)
Withdraw up to $60,000 from RRSP for down payment. Repay over 15 years, interest-free.
First-Time Home Buyer Incentive (Federal)
Interest-free loan: 5-10% of purchase price. Repay after 25 years or when you sell.
Down Payment Assistance Program (NS)
Interest-free loan up to 5% of purchase price for eligible first-time buyers.
Land Transfer Tax Rebate
Up to $4,000 rebate on first $368,000.
Ask your agent or mortgage specialist about eligibility.
Red Flags to Watch For
Contact your agent immediately if:
Seller pressures you to skip home inspection
Property has undisclosed issues you discover
Seller changes agreed terms after Form 408 submitted
You're asked to sign blank forms
Deposit requested outside of brokerage trust account
Anyone suggests "creative" financing or workarounds
Important Reminders
Read every form before signing
Ask questions about anything unclear
Track all deadlines carefully - set phone reminders
Keep copies of all signed documents
Respond promptly to requests from agent/lawyer/lender
Don't make major purchases or financing changes until after closing
Budget for unexpected costs (always have a buffer)
Trust the process - your agent and lawyer are there to help you