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    Tia Pham

    Broker

    Royal LePage West Realty Group Ltd.

    Buying your first home is an exhilarating experience. Here is some information to get you more excited about your future purchase:


    Land Transfer Tax Rebate

    First time buyers of new and re-sale homes are eligible for a provincial land transfer tax rebate of up to $4,000 (Ontario), or if purchasing in Toronto -  up to $8,475. To be eligible for the provincial and/or Toronto rebate:

    • The purchaser must be at least 18 years old
    • The purchaser must occupy the home as their principal residence no later than 9 months after the date of conveyance or disposition
    • The purchaser cannot have previously owned a home, or had any ownership interest in a home anywhere in the world, at any time
    • If the purchaser has a spouse, the spouse cannot have owned a home, or had any ownership interest in a home anywhere in the world, at any time
    • Note: If the purchaser's spouse owned an interest in a home BEFORE becoming the purchaser's spouse, the purchaser may be eligible for some rebate

    RRSP Home Buyers' Plan

    This program allows you to withdraw up to $35,000 from your RRSP tax-free to buy or build a qualifying home. Before withdrawing, you must have entered into a written agreement to purchase or build a qualifying home, and you must occupy the home no later than 1 year after buying or building the home. The 15 year repayment period will begin in the second calendar year following the calendar year in which the withdrawal is made.


    Call or email me to get a free copy of my Home Buyer's Guide!

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    Tia Pham

    Broker

    Royal LePage West Realty Group Ltd.

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