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We work on your behalf to find you the mortgage that best suits your needs. Our agents have expertise in all facets of mortgage lending and will not only ensure that you receive the best interest rate possible.

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Refinances, Debt Consolidation, Renovations, Money for Investments… We’ll get you the money you need at the rate you want!

Mortgage Renewal

Time to renew your mortgage? Don’t just sign the first offer you see from your bank. Let us help you get the best product for you and a great rate!

First Time Buyers

Ready to buy a home? Get a fast Pre-Approval, Lock in at a Low Rate, and Shop with Confidence! We are Canada’s mortgage experts.

HOME BUYERS PLAN (HBP)

WHAT IS THE HBP?

The HBP is a program that allows you to withdraw up to $25,000 from your registered retirement savings plans (RRSPs) to buy or build a qualifying home.

 

Withdrawals that meet all applicable HBP conditions do not have to be included in your income, and your RRSP issuer will not withhold tax on these amounts. If you buy the qualifying home together with your spouse or common-law partner, or other individuals, each of you can withdraw up to $25,000 tax free.

 

Under the HBP, you have to repay all withdrawals to your RRSPs within a period of not more than 15 years. Generally, you will have to repay an amount to your RRSPs each year until you have repaid the entire amount you withdrew. If you do not repay the amount due for a year, it will be included in your income for that year.

 

Following is a complete guide that contains all the information you will need.  Also included is the application form.

 

 

Home Buyers Plan (HBP) Guide

Home Buyers’ Plan Application¬†

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