Government programs can save you thousands and make homeownership more affordable. With expert guidance from Kim Carreiro , you can take full advantage of these opportunities and find your dream home faster.
Answer 3 quick questions to find out which programs may apply to you.
Note: Eligibility may vary. Please check official sites for full details
Start exploring homes with our Dream Home Finder and make the most of the programs you may qualify for.
But don't worry — our list doesn't include every program across all provinces, and eligibility can vary, so you may still have options available.
Use our Dream Home Finder to explore homes today and be ready for opportunities when programs become available.
or share your results with Kim Carreiro to confirm your eligibility and find the best savings.
Or send your results to Kim Carreiro to review your situation and find more ways to save on your home.
The HBP allows you withdraw up to $60,000 from your RRSP tax-free to buy or build your first home. You'll have up to 15 years to repay the funds, starting the second year after withdrawal.
If buying with a partner, each of you can withdraw $60,000, for a combined $120,000 toward your down payment.
Looking for help with Home Buyer’s Plan application?
The FHSA is a registered plan that combines the benefits of an RRSP and TFSA — tax-deductible contribution and tax-free withdrawal for your first home. You can contribute up to $8,000 per year, with a lifetime maximum of $40,000.
Looking for help with First Home Savings Account?
Open FHSA early in the year to maximize your annual contributions and investment growth.
Curious how to combine the HBP with the FHSA to boost your down payment? Connect with Kim Carreiro today to build the best strategy for your first home
Hi there, I’m Kim.
REALTOR® since 2007.
RE/MAX Hall of Fame recipient.
Former bank manager and mortgage underwriter. I genuinely love what I do.
After almost 20 years, I still get excited opening doors and seeing homes. I notice the details, ask thoughtful questions, and care deeply about helping people make smart decisions they feel good about long after the keys exchange hands.
Clients describe me as honest, strategic, and steady. You’ll get clear information and straightforward advice, never pressure.
Experience matters. So does staying current. I embrace evolving strategies, modern marketing, and new tools to better serve my clients.
The Full Story:
I’ve built my business on relationships, referrals, and long-term connections. That didn’t happen by accident. Before real estate, I spent years in banking and mortgage underwriting. This experience shaped how I work today. I understand financing. I understand how lenders review files. And I understand the importance of discretion. People share a lot during a move: financial details, personal circumstances and future plans.
Trust isn’t a marketing word to me. It’s something that’s earned and protected. Over the years, I’ve had the privilege of helping so many clients navigate big transitions. Some moves are exciting. Some are emotional. All of them matter.
My job is to bring clarity, strategy, and steady guidance, so you feel confident in your decisions.
The LTT is a provincial and/or municipal tax paid when purchasing a property. Some provinces offer rebates for first-time home buyers
Looking for help with your Land Transfer Tax Rebate application?
Estimate your land transfer tax in seconds. Use our Land Transfer Tax Calculator to see how much tax you’ll pay and any potential rebate you may qualify for.
Receive updates on newly listed properties in your area and make your next move easier.
Also known as the First-Time Home Buyers’ Tax Credit (HBTC), this on-refundable tax credit helps with closing costs. You can claim up to $10,000, which translates to a maximum tax reduction of $1,500.
See how RE/MAX Realty Enterprises Inc., Brokerage has helped clients turn their homeownership dreams into reality. Get in touch today to start your own journey.
The CMHC Improvement program lets you add eligible renovation costs to your mortgage — up to 10% of the improved value of the home Market value after renovations. . Ideal for buying a fixer-upper or upgrading immediately without a separate loan.
For owner-built or rental properties, you may qualify for construction financing or small rental loans under different rules.
Sign up for Neighborhood Buzzer to get updates on homes with renovation potential
The rebate allows you recover a portion of the GST or HST paid on a new or substantially renovated home.
Looking for help with your GST/HST New Housing Rebate application?
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