Buying a home · 7 guides
Mortgages, down payments, first-home accounts.
- 🏔Renting in Alberta: Security Deposit Rules and Tenant RightsBased on official Alberta government sources, this article explains security deposit rules, including collection, return, and non-return scenarios, to help tenants understand their rights.
- Consumer Affairs in Canada: Complaints, Rights, and ResourcesLearn how to file complaints, know your rights, and find official resources for consumer issues in Canada.
- Home Accessibility Tax Credit for SeniorsThe federal Home Accessibility Tax Credit (HATC) helps cover costs of renovations that make a home safer and more accessible. This article explains eligibility, eligible expenses, credit amount, and how to claim.
- What is Mortgage Loan Insurance?In Canada, mortgage loan insurance is usually required when your down payment is less than 20%. This article summarizes official information from CMHC.
- Home Buyers' Plan (HBP): Borrow from Your RRSP for a Down PaymentThe HBP lets you withdraw up to $60,000 from your RRSP to buy a home, repayable over 15 years. Withdrawals in 2026-2028 get an extra 3-year repayment delay. Can be combined with FHSA under conditions.
- FHSA First Home Savings Account: $8,000 Tax-Free Limit Per YearFHSA is a tax-free savings account for first-time home buyers in Canada, allowing up to $8,000 per year in contributions for a down payment. New immigrants who qualify can open one and combine it with the RRSP Home Buyers' Plan (HBP).
- Mortgage for New Immigrants: How to Get Approved Without Credit HistoryNew immigrants can get a mortgage in Canada without local credit history, but may need a larger down payment. This guide, based on official Canadian sources, explains the mortgage process, down payment requirements, and how to handle lack of credit history.
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