1. FHSA
$8,000/year, $40,000 lifetime, tax-free.
2. Home Buyers Plan
Withdraw $60,000 from RRSP.
3. 30-Year Amortization
For new builds and homes under $1.5M.
4. Ontario LTT Rebate
Up to $4,000.
5. Toronto MLTT Rebate
Up to $4,475. Combined: $8,475 saved.
6. HBTC
$10,000 tax credit ($1,500 relief).