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Buying · 7 min
First-time home buyer programs in Ottawa
A practical guide to the FHSA, Home Buyers’ Plan, Ontario land transfer tax refund and mortgage insurance.
Start with the complete cost
Your purchase budget should include the down payment, closing costs, moving expenses and a reserve for repairs. A mortgage pre-approval helps frame the search, but your final loan still depends on the property and lender review.
Programs to review
The FHSA and Home Buyers’ Plan can support eligible buyers using registered savings. Ontario also offers an eligible first-time buyer land transfer tax refund. Rules and limits change, so confirm your eligibility with the official program and your financial or tax adviser.