FIRST-TIME BUYERS · PETERBOROUGH & THE KAWARTHAS
Your first home is closer than you think.
Programs available in 2026 can put thousands back in a first-time buyer’s pocket. We’ll show you what you qualify for, what you really need to save, and how to buy with confidence.
MONEY YOU MAY BE ABLE TO KEEP
Programs for first-time buyers.
Many first-time buyers don’t know these exist. We’ll help you, your lender and your lawyer put them to work.
$8,000 a year, up to $40,000
First Home Savings Account
Tax-deductible savings, tax-free for your first home.
Up to $60,000 each
RRSP Home Buyers’ Plan
Borrow from your RRSP for a down payment.
Up to $4,000
Land transfer tax refund
Ontario refunds some or all of the provincial tax.
For first-time buyers
30-year amortization
Lower monthly payments on an insured mortgage.
Up to $50,000
GST rebate on new homes
No GST on a newly built home up to $1 million.
About $1,400
Home buyers’ tax credit
A federal credit in the year you buy.
Current as of fall 2026. Eligibility rules apply; your lender, lawyer or accountant will confirm what you qualify for.
HOW IT WORKS
From renting to your own front door.
STEP 01
Talk to us
A free, no-pressure call about your budget, timing and what you’re looking for.
STEP 02
Get pre-approved
We’ll introduce you to a trusted local mortgage specialist, so you know your number.
STEP 03
Buy with a plan
Showings, offers and closing, with every document explained before you sign.
How much cash will you need to close?
Estimate your land transfer tax, legal fees and closing costs in under a minute.
FREE GUIDE
The First-Home Starter Kit.
Everything you need to go from “we should buy” to “we’re ready,” in one free kit.
- A worksheet for your down payment and closing costs, so there are no surprises
- Every 2026 first-time buyer program and how to claim it
- The steps from pre-approval to keys, plus the mistakes we see most
- An invitation to a first-time buyer night with a local mortgage specialist
Every request comes straight to Patrick McAuley, who’ll personally follow up and introduce you to the right person on our team.
