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Make Your Home Ownership Dream a Reality


Purchasing a home is a huge decision and requires a lot of financial planning and support. With mortgage rates fluctuating and the Canadian housing market unpredictable, buying a house is like a puzzle and it takes a bit of work to fit the pieces together.


There are, however, a number of financial incentives available to help you take that leap when the time is right for you, as follows:


First-timers are eligible to save on the purchase with the home buyers’ tax credit. You can claim up to $5,000, resulting in savings of up to $750 on your taxes for the year in which the home is bought. If the buyer has a disability, or the home is being purchased for a person with a disability, they can claim the credit even if they have previously bought and owned a home


If you are looking to boost your down payment, you may also be eligible for the Home Buyers’ Plan. This plan allows you to use money from your RRSPs to buy or build a home for yourself or a related person with disabilities. You can withdraw up to $25,000 in a calendar year, and have up to 15 years to repay your withdrawals without taking a hit on your taxes. You’ll find more details about these programs at


Investment potential, freedom from rent, and pride of ownership await. Maybe your new home is finally within reach; this might just be your year.



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Fuad and Muna Farooqi

"The Gia Team were very understanding of our needs and requirements. They went out of their way to be available as well as connecting us with multiple city resources for the home as well as family. The Gia Team were recommended to us by a friend and in the first meeting they were able to understand our needs, being very knowledgeable about the City and neighbourhoods. We would absolutely recommend The Gia Lucchetta Team!"

Fuad and Muna Farooqi