Stack up to $100,000 in tax-sheltered room & claim your $8,475 rebate.
Most Toronto first-time buyers leave money on the table. Learn exactly how to combine the FHSA, the Home Buyers' Plan, and the Land Transfer Tax rebate — with the real numbers.
→ The $8,475 first-time Land Transfer Tax rebate, explained
→ How the $40k FHSA and $60k HBP actually stack
→ A plain-English one-pager, sent to your inbox
Three programs. One stack.
The exact figures a first-time buyer in Toronto can use — most people use one and miss the other two.
$8,475
Land Transfer Tax rebate
The first-time rebate
First-time buyers can recover Toronto + Ontario land transfer tax at closing — up to $8,475 back.
≈ up to $4,475 (Ontario) + $4,000 (Toronto)
$40,000
FHSA
First Home Savings Account
Lifetime contribution room that grows tax-free and comes out tax-free toward your first home.
Tax-deductible in · tax-free out
$60,000
Home Buyers' Plan
RRSP withdrawal
Borrow from your own RRSP toward a down payment, repaid over time — stackable with the FHSA.
$40k FHSA + $60k HBP = up to $100k of room
The programs are public. Knowing how to stack them is the part most buyers miss.
NestAbode is not a government agency, tax accountant, or mortgage lender. Figures shown (FHSA $40,000 lifetime, Home Buyers' Plan $60,000, and the combined Toronto + Ontario first-time Land Transfer Tax rebate up to $8,475) reflect program limits as generally published and are for information only; eligibility and amounts depend on your situation. Confirm specifics with your accountant, lender, and the CRA before acting.
