Buy with confidence
From search to signature, get structured guidance to compare opportunities, protect your interests and negotiate with confidence.
Complete guidance
First purchase
Both programs can support the same qualifying purchase. The right approach depends on your savings, tax situation and ability to repay withdrawn funds.
Participation room starts when you open your first account: $8,000 in the first year. Up to $8,000 of unused room can be carried forward. Check your available room before contributing.
Personal contributions are generally deductible. A qualifying withdrawal is tax-free and does not need to be repaid. An RRSP transfer does not create another deduction.
The Home Buyers’ Plan lets you use part of your RRSP for a qualifying home without immediate tax on the withdrawal.
Repayment generally spans 15 years. The start depends on the withdrawal year. A required annual amount that is not repaid may be included in your income.
Illustrative example: a $20,000 FHSA withdrawal and a $30,000 HBP withdrawal provide $50,000 for the project if both programs’ conditions are met. The HBP amount still needs to be repaid; allow separately for closing costs and a reserve.
Check eligibility and withdrawal deadlines separately for each program. Neither the FHSA nor the HBP replaces lender approval.
Sources: Canada Revenue Agency. Information checked September 14, 2026. FHSA rules (French) · HBP and purchase savings (French)
Let’s discuss your budget, priorities and next steps.
Experience that makes a difference
Your property search is guided by both market value and the financing realities that can influence approval.
Before specializing in residential real estate brokerage, Alexis worked as a mortgage specialist at RBC. He can identify financing questions early, understand the logic behind lender requirements and help you prepare a more realistic purchasing strategy.
Price is only one part of a sound offer. Financing conditions, timelines, property type and lender policies can all affect approval. This perspective helps structure the transaction and respond quickly when a financing issue threatens the purchase.
When needed, Alexis can connect you with mortgage brokers, inspectors, notaries and other professionals. Each expert keeps their independent role while Alexis coordinates the real estate steps and deadlines.
The process
Budget, areas, current needs and long-term vision.
What costs should you budget for when buying in Brossard?Market monitoring and selection of relevant properties.
Brossard neighbourhoods: compare sectors before buyingValue, condition, documents, risks and protective clauses.
Making an offer in Brossard: conditions and deadlinesNegotiation and follow-through to possession.
Pre-purchase inspection in Brossard: what should you verify?Tell me about your preferred areas, needs and timeline.
Tools and references
Use these free calculators and guides to prepare your purchase at your own pace, with no registration required.
Compare estimated payments based on your price, down payment, rate and amortization.
Start calculatingEstimate transfer duties in Montreal and on the South Shore using your municipality’s 2026 rates.
Start calculatingUnderstand the terms used in financing, inspections, offers and co-ownership.
Read the guidePlan for the notary, inspection, transfer duties and other costs beyond your down payment.
Read the guideLearn what mortgage pre-approval means and what remains to be confirmed before final financing approval.
Read the guideCompare daily travel, local services and property considerations before narrowing your search.
Compare Chambly and Saint-Bruno: outdoor activities, transportation, services and total budget to choose an address that fits daily life.
Read the guideCompare La Prairie and Candiac: heritage, the station district, commuting, budget and questions to ask before buying.
Read the guideCompare Brossard and Saint-Lambert: REM, train station, shops, houses, condos and budget. A practical approach to choosing your location.
Read the guideMetro, train station, Saint-Charles Street and Parc de la Cité: compare Vieux-Longueuil and Saint-Hubert locations before buying.
Read the guideAllow separately for the inspection, notary, land transfer duties, tax adjustments, moving and a reserve. Costs depend on the property and municipality: prepare an itemized budget before making an offer.
Plan closing costs →It helps define a realistic search range and prepare your application. It does not guarantee financing or replace the financing condition in your offer.
Prepare for pre-approval →Remuneration is negotiated and recorded in the purchase brokerage contract. Before an offer, clarify any sharing with the seller’s broker, taxes and any remaining amount you would pay.
Understand broker remuneration →Not necessarily. The deed-of-sale and occupancy dates are agreed separately. Coordinate keys, moving, insurance and expenses according to the written agreement.
Understand the steps and dates →Yes, for the same qualifying home, provided you meet each program’s conditions when withdrawing funds. Confirm your eligibility and timing with your financial institution.
Explore the first-purchase steps →No. The lender still needs to accept the property and review your final application. Changes in income, debt or employment can affect its decision.
Understand pre-approval →Compare total costs: mortgage payments, taxes, insurance, maintenance and condo fees. For a condo, also review the syndicate’s documents, planned work and assessments instead of focusing only on the asking price.
Compare houses and condos →Comparable sales, the property’s condition, available documents and competing demand help establish a range. Your total budget and allowance for repairs then determine your limit.
Prepare an offer →The declaration of co-ownership, bylaws, financial statements, meeting minutes, maintenance log and contingency fund study help explain the building. Also check announced special assessments and available transaction-specific documents.
Review the document checklist →It depends on financing, financial flexibility and possible closing dates. Compare the risk of temporary accommodation with the risk of carrying two properties. Have the financing for each scenario confirmed before committing.
Compare both scenarios →Your next step
A straightforward conversation, with no obligation.