How It Works
The Home Buyer’s Plan (HBP) is a government program that allows home buyers to withdraw up to $25,000 from their Registered Retirement Saving’s Plan (RRSP) to put towards buying or building a new home.
Before you can withdraw funds, you have to be entered into a written agreement that specifies whether you will be buying or building your new home. You also must occupy this space no later than a year after buying or building this new home.
To take advantage of this program you have to be considered a first-time buyer. You are not a first-time home buyer if you (or you and your spouse) has owned a home which you have occupied as your principal place of residence in the past 5 years.
Once those conditions are met each person can withdraw up to $25,000 tax-free from their RRSP for a new home. Couples, including common-law, can withdraw up to $50,000. You will not pay income tax on these amounts as long as these funds will be repaid into an RRSP in the future.
Existing homeowners can also use this program to purchase an accessible home or a home for a disabled dependent relative. The intended individual must qualify for the Disability Tax Credit (DTC) and this home must be more accessible or better suited to the care of this individual.
Find Your Dream Home
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176 Birch Avenue in Hamilton: 210 - North Sherman Single Family Residence for sale (21 - Hamilton Centre) : MLS®# 40878193
176 Birch Avenue Hamilton L8L 6H9 
$519,000Residential- Status:
- Active
- MLS® Num:
- 40878193
- Bedrooms:
- 4
- Bathrooms:
- 2
- Floor Area:
- 1,051 sq. ft.
Welcome to 176 Birch Avenue, a property offering generous outdoor space, a versatile floor plan & plenty of potential in an established Hamilton neighbourhood. Situated on an oversized 42-foot-wide lot, this home presents an excellent opportunity for buyers looking for space, flexibility & the chance to make a property their own. A covered front porch provides a welcoming entrance & a place to enjoy the outdoors. The paved side driveway offers parking for up to 4 vehicles & leads to an oversized single-car detached garage, providing additional space for parking, storage or hobbies. The main level features an open-concept layout connecting the living room, dining room & kitchen. Three bedrooms, each complete with a closet & newer blinds, provide options for family members, guests or a home office. An updated 4-piece bathroom & convenient linen closet complete the main floor. The basement adds another dimension to the home, featuring its own separate entrance & a layout that offers plenty of possibilities. This level includes a rec room, kitchen, bedroom & 3-piece bathroom, making it particularly appealing for those exploring multi-generational living arrangements or looking for additional space for extended family. A dedicated utility room & large fruit cellar provide practical storage options. Outside, the backyard features a concrete patio with space for outdoor furniture, barbecuing or creating an inviting outdoor retreat. Conveniently located in Hamilton's lower city, the property offers access to parks, schools, shopping, public transit & downtown amenities. Whether you're looking for a home to renovate & personalize, additional space for extended family or a property with long-term potential, 176 Birch Avenue offers a combination of features worth exploring. With its flexible layout, separate basement entrance, generous parking & oversized detached garage, this property provides a great starting point for buyers ready to bring their own ideas & vision to life. More detailsListed by RE/MAX Escarpment Realty Inc.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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52 Kingfisher Crescent in Cambridge: 33 - Clemens Mills/Saginaw Single Family Residence for sale (13 - Galt North) : MLS®# 40875438
52 Kingfisher Crescent Cambridge N1T 1R1
$1,300,000Residential- Status:
- Active
- MLS® Num:
- 40875438
- Bedrooms:
- 3
- Bathrooms:
- 4
- Floor Area:
- 3,530 sq. ft.
A RARE FIND! It's not often that a home comes along offering this extraordinary combination of luxurious finishes and an exceptional setting! From the moment you step inside, you'll be impressed by the stunning feature walls, engineered vinyl plank flooring, and designer lighting found throughout. The main floor offers incredible versatility with a beautiful office behind French doors- could also be a formal dining room or an additional bedroom. The spacious living room features an elegant electric fireplace, custom built-in cabinetry and breathtaking floor-to-ceiling windows overlooking the spectacular backyard. The show-stopping kitchen, updated in 2023, boasts quartz countertops, glass-front cabinetry, and an incredible walk-in pantry complete with the perfect space for a coffee bar. Step outside off the dinette and prepare to be wowed! Situated on a premium pie-shaped lot backing onto a forest, this backyard oasis was designed for unforgettable family memories. Enjoy the oversized pool, hot tub, new patio and retaining wall (2023), expansive upper deck with gazebo, and multiple spaces to relax. Upstairs, the luxurious primary suite feels straight out of a movie! The dream walk-in closet features custom illuminated built-ins and jewelry drawers, while the bedroom itself offers a cozy electric fireplace. You will love the spa-inspired ensuite which has heated floors, a large glass shower, double vanities, and an entire wall of custom cabinetry. The upper level also features a beautifully appointed 5-piece bathroom and a 2nd bedroom with a stylish wainscoted feature wall. The unique 3rd bedroom suite includes an oversized walk-in closet and lovely sitting room (previously a 4th bedroom). The fully finished walkout basement offers even more living space with a fantastic recreation room, bar area, gym space, and two sliding doors with direct access to the backyard retreat. Parking for 6, plus Gemstone exterior lights (no more stringing up lights)! A must see! More detailsListed by Re/Max Icon Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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42 Buchanan Crescent in Brantford: 2020 - Lynden Hills Single Family Residence for sale (2018 - Lynden Hills) : MLS®# 40877983
42 Buchanan Crescent Brantford N3P 2A5
$588,850Residential- Status:
- Active
- MLS® Num:
- 40877983
- Bedrooms:
- 4
- Bathrooms:
- 2
- Floor Area:
- 1,427 sq. ft.
First Time Offered | Lovingly Cared For | Move-In Ready Welcome home! First time ever offered for sale, this lovingly cared-for semi-detached home has been thoughtfully updated and maintained, offering space, comfort and a fantastic backyard in an amazing neighbourhood. This four-level back split provides plenty of room for the whole family, featuring 4 bedrooms, 2 bathrooms, a bright living room/dining room combination, and tons of storage throughout. The inviting layout offers defined spaces for everyday living while still providing plenty of room to gather with family and friends. The updated kitchen, completed in 2022, features soft-close cupboards and drawers, creating a functional and stylish space for preparing meals and entertaining. The bathrooms have also been thoughtfully updated, including the main bathroom with Moen fixtures, while the lower-level 3 pc bathroom was updated in 2018. Important updates include windows and roof with 50-year shingles, completed in 2017/2018, providing peace of mind for years to come. The lower-level family room is sure to become a favourite gathering space, with a walk-out directly to the fully fenced, oversized backyard. Step outside to enjoy a generous patio complete with a retractable awning installed in 2020, offering a convenient shaded spot for relaxing, dining outdoors or entertaining friends and family. The backyard provides plenty of room for children and pets to play, gardening, entertaining or simply enjoying your own private outdoor space. Add in the single-car garage and abundant storage, and this home offers the practicality today’s families are looking for. Located in a wonderful, established Brantford neighbourhood, this is a home that has been lovingly enjoyed and carefully maintained—and is now ready for its next chapter. First time offered. Recently updated. Lovingly cared for. An oversized backyard, great layout and a neighbourhood you’ll love coming home to—this one is worth seeing! More detailsListed by Century 21 Heritage House Ltd- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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142 1077 Gordon Street S in Guelph: 15 - Kortright West Condo/Apt Unit for sale (City of Guelph) : MLS®# 40876737
142 1077 Gordon Street S Guelph N1G 0E3
$478,900Residential- Status:
- Active
- MLS® Num:
- 40876737
- Bedrooms:
- 2
- Bathrooms:
- 2
- Floor Area:
- 934 sq. ft.
LIMITED-TIME INCENTIVE: NO CONDO FEES FOR ONE YEAR! Bright & Modern Main Floor Condo Overlooking Greenspace! Welcome to this move-in ready, spacious, open-concept 2-bedroom, 2-bathroom main level condo—an absolute dream for pet owners! With immediate, step-saving access out to the building's main floor side door, daily dog walks couldn't be easier or more convenient. To make this opportunity even better, enjoy 1 full year of no condo fees—giving you extra financial peace of mind (or extra budget for your furry friends!).The living room with soaring 9-foot ceilings features patio doors opening to your private balcony, making this light-filled home perfectly designed for both relaxing and entertaining. Key highlights include a gourmet kitchen equipped with granite countertops, a custom backsplash, stainless steel appliances, and a beautiful, functional breakfast bar. Carpet-free throughout (perfect for accessibility or easy pet cleanup!), this home features sleek grey laminate flooring, updated bathrooms, large bright windows, and generous closet space. For your ultimate convenience, in-suite laundry features a stacked washer and dryer. Parking and storage are a breeze: this condo includes one underground parking space with quick, effortless access across from the entrance door, paired with a large locked private storage room right at the end of the parking space—ideal for storing pet gear, sports equipment, or seasonal items. For overnight guests, permitted visitor parking is available. Located just minutes from the University of Guelph with public transit right at your doorstep. Enjoy walkable access to multiple shopping centers, restaurants, and daily amenities. Immediate possession available! More detailsListed by Royal LePage Royal City Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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1242 Donlea Crescent in Oakville: 1011 - MO Morrison Single Family Residence for sale (1 - Oakville) : MLS®# 40878248
1242 Donlea Crescent Oakville L6J 1V7
$1,998,000Residential- Status:
- Active
- MLS® Num:
- 40878248
- Bedrooms:
- 3
- Bathrooms:
- 3
- Floor Area:
- 3,265 sq. ft.
If you’re a buyer looking in Morrison under the $2.5M mark, you may be finding your options to be a little…complicated. At this price point, properties tend to fall somewhere along the axis of land or house. Finding one where you have a compelling case for both is considerably harder. So, first things first. Buy on the best street you can afford. This is where Donlea delivers. A genuinely quiet street, beautiful homes, right at the heart of the neighbourhood and with schools close enough for the children to walk themselves. Frankly put, it’s ideal. Then there’s the land. With a new survey available, this west-backing 93’ x 185’ lot with stream offers the potential to build approximately 5,200 sq. ft. For those looking to create their forever home, it’s a rare opportunity to secure a substantial piece of land in one of Oakville’s premier neighbourhoods. But it would be remiss not to acknowledge that there is also a great deal of house here to love - and renovate. The existing 3,263 sq. ft., four-level side-split is surprisingly generous, with large bedrooms, a double garage and plenty of scope to reimagine the spaces. Think contemporary interiors, wall-to-wall windows and a seamless floorplan, all while retaining the scale and character that make this house work. A fantastic opportunity for those who want to control their budget while creating equity. In other words, you have options. Build new. Renovate. Or simply take your time and decide what makes the most sense for you. With this kind of flexibility, the upside is yours to create. More detailsListed by Century 21 Miller Real Estate Ltd.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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6 Lincoln Avenue in Grimsby: Grimsby West (541) Single Family Residence for sale : MLS®# 40878349
6 Lincoln Avenue Grimsby L3M 1Y4
$529,900Residential- Status:
- Active
- MLS® Num:
- 40878349
- Bedrooms:
- 2
- Bathrooms:
- 1
- Floor Area:
- 988 sq. ft.
CUTE-AS-A-BUTTON RENOVATED BUNGALOW - WALKING DISTANCE TO DOWNTOWN! Absolutely move-in ready, this fully renovated 988 sq. ft. bungalow sits on a 47.5 x 100 ft. lot just steps from shopping, the QEW, library, Peach King Centre, and downtown Grimsby. Step into the bright sunlit foyer and be welcomed by wide-plank, low-sheen engineered hardwood flooring and modern pot lighting throughout. The cozy family room features a sleek wall-mounted electric fireplace and flows seamlessly into the stylish kitchen, complete with stainless steel appliances, solid-surface countertops, and a designer tile backsplash. Two bedrooms share a beautifully updated 3-piece bathroom with a glass-enclosed tile shower. A separate laundry room adds convenience. Outside, enjoy the private front yard and a fully fenced backyard with a deck and patio-perfect for relaxing or entertaining. Ideal as a starter home, low-maintenance retirement option, or investment property! More detailsListed by Royal LePage State Realty Inc. and Royal LePage State Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
-
64 Sheaffe Street in Hamilton: 101 - Strathcona Central North Single Family Residence for sale (10 - Hamilton West) : MLS®# 40877050
64 Sheaffe Street Hamilton L8R 2E9
$399,990Residential- Status:
- Active
- MLS® Num:
- 40877050
- Bedrooms:
- 3
- Bathrooms:
- 1
- Floor Area:
- 1,800 sq. ft.
Welcome to 64 Sheaffe Street, a charming 3-bedroom, 1-bathroom semi-detached home in the heart of downtown Hamilton! Offering a rare combination of outdoor space and convenience, this property features a spacious, fully fenced backyard and two parking spaces, a fantastic find in the downtown core. Recent updates include new flooring, a butcher block kitchen countertop, modern light fixtures, and a newly added front deck. Enjoy the convenience of being within walking distance to TD Coliseum, Bayfront Park, the GO Train, and the vibrant shops, restaurants, and cafés along James Street. With its recent improvements, generous backyard, and unbeatable access to downtown amenities, this home offers a wonderful opportunity to enjoy urban living without sacrificing outdoor space or parking! More detailsListed by Keller Williams Edge Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
-
810 2055 Upper Middle Road in Burlington: 341 - Brant Hills Condo/Apt Unit for sale (34 - Burlington) : MLS®# 40878182
810 2055 Upper Middle Road Burlington L7P 3P4 OPEN HOUSE: Nov 15, 202601:00 PM - 03:00 PM ESTOpen House on Sunday, November 15, 2026 1:00PM - 3:00PM
$500,000Residential- Status:
- Active
- MLS® Num:
- 40878182
- Bedrooms:
- 1
- Bathrooms:
- 2
- Floor Area:
- 1,075 sq. ft.
Beautiful escarpment views, generous living space and exceptional convenience await in this meticulously maintained North Burlington condo. Offering over 1,075 sq. ft., this bright one-bedroom-plus-den suite features 1.5 bathrooms and a thoughtfully designed layout. The versatile den makes an ideal home office or guest space, while an oversized private balcony offers a peaceful setting to relax and enjoy the views. Recent updates include vinyl flooring, fresh paint throughout, new fixtures and new transom blinds. The spacious living room opens directly onto the balcony, while a dedicated dining area with mirrored walls and picturesque views provides a welcoming space to entertain. A bright kitchen, in-suite laundry and a separate in-suite storage room complete this comfortable, well-appointed home. Condo fees offer outstanding value, covering heat, hydro, water, central air conditioning and Bell Fibe TV. One underground parking space adds everyday convenience. Residents enjoy an extensive range of amenities, including an outdoor pool, tennis courts, exercise room, men’s and ladies’ change rooms with sauna facilities, party room, workshop, library, guest suite and ample visitor parking, along with an on-site building manager. Set in a welcoming, established community within walking distance of shopping, transit, banks, Tim Hortons, Shoppers Drug Mart, parks and scenic trails, this home offers the space you want and the carefree condo lifestyle you’ve been looking for. More detailsListed by RE/MAX Aboutowne Realty Corp.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
-
23 Hibiscus Lane in Hamilton: 282 - Vincent Row/Townhouse for sale (28 - Hamilton East) : MLS®# 40878219
23 Hibiscus Lane Hamilton L8K 0A4
$669,900Residential- Status:
- Active
- MLS® Num:
- 40878219
- Bedrooms:
- 3
- Bathrooms:
- 3
- Floor Area:
- 2,313 sq. ft.
Stunning 2020 built BrantHaven Escape model End unit. This 1690 SQ FT 2 storey 3 bedroom and 2.5 bathroom Freehold Townhome is impressive in every way with an abundance of oversized windows and BrantHavens build quality. Open Concept eating and living area with high end appliances. This home is loved and well maintained inside and out it truly does stand out from all the rest. The Upper level holds 3 large bedrooms and the Primary Bedroom has a beautiful en-suite bathroom with double sinks and modern glass stand up shower. The Upper-level laundry also adds everyday convenience. The lower level is large with a rough in for a full bathroom and awaits for your personal touches which makes this home perfect for upsizing or downsizing. Fully Fenced yard with a gas line hookup. Backs onto Sir Wilfred Laurier Recreation Centre and Sir Wilfred Laurier Elementary School. Seconds away Laurier Park and Playground. Don't miss your opportunity to move and own this spectacular well loved home. More detailsListed by Royal LePage State Realty Inc.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
-
1360 Majestic Drive in Burlington: 353 - Palmer Single Family Residence for sale (35 - Burlington) : MLS®# 40878213
1360 Majestic Drive Burlington L7M 1G3 OPEN HOUSE: Nov 15, 202612:00 PM - 02:00 PM ESTOpen House on Sunday, November 15, 2026 12:00PM - 2:00PM
$849,900Residential- Status:
- Active
- MLS® Num:
- 40878213
- Bedrooms:
- 4
- Bathrooms:
- 2
- Floor Area:
- 2,212 sq. ft.
Welcome to this spacious 4-level side split in Burlington's quiet, family-friendly Palmer neighbourhood. With over 2,000 square feet of living space, there is room here for everyone to spread out, grow and enjoy. The updated kitchen anchors the main living areas, making everyday meals and entertaining a pleasure, while the cozy gas fireplace sets the scene for relaxed evenings with family and friends. Three good-sized bedrooms provide comfortable space for the whole family, and the multi-level layout gives everyone their own area to unwind. The bright 3-season sunroom is a standout, ready to serve as a morning coffee spot, home office, playroom or reading retreat, whatever the time of year. Step outside to your own private backyard retreat, complete with a patio for outdoor dining and gatherings, a solar-heated inground pool for long summer days, and a garden shed for tools and toys. Location is a true bonus. Shopping, schools and places of worship are close by, and a short drive takes you to the major highway for easy commuting. The calm streets and welcoming, family-oriented feel make this an ideal setting toraise children and put down roots. This is the perfect home for an expanding family, with ample opportunity to update and add your own personal touches and style. Come see the potential and make it yours! More detailsListed by Keller Williams Edge Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
-
4992 Greenlane Road in Beamsville: 982 - Beamsville Single Family Residence for sale (Lincoln) : MLS®# 40876118
4992 Greenlane Road Beamsville L3J 0C1
$599,000Residential- Status:
- Active
- MLS® Num:
- 40876118
- Bedrooms:
- 3
- Bathrooms:
- 2
- Floor Area:
- 1,844 sq. ft.
CLOSE TO EVERYTHING THAT MATTERS … Imagine a place where small-town charm meets everyday convenience, where schools, shops and local favourites are close to home, and weekends are yours to explore Niagara's beautiful fruit and wine country! Nestled at 4992 Greenlane Road in Beamsville, this inviting and FULLY FINISHED 3 bedroom, 2 bathroom, SEMI-DETACHED HOME combines comfortable living, practical space, and an exceptional location. Step inside to discover a warm and welcoming interior featuring HARDWOOD FLOORING throughout the main living areas. The kitchen features GRANITE COUNTERTOPS, tile flooring, and convenient movable island creating a functional space for everyday meals and gathering PLUS walk out to the COVERED DECK with natural gas hookup for BBQ and a fully fenced back yard. Upstairs, find 3 GENEROUS BEDROOMS, all with hardwood flooring, including a spacious primary bedroom with a large closet, and a 4-piece bathroom. The FINISHED BASEMENT adds valuable living space with a spacious recreation room with luxury vinyl plank flooring, potlights, laundry room, and additional under-stair storage. An ATTACHED SINGLE GARAGE, double driveway, backyard shed and deep 34.45' x 131.69' LOT add everyday practicality. BONUS – ALL NEW furnace, on-demand hot water heater, and sump pump w/battery backup. And the location? It's all about convenience! Walk to town, enjoy the nearby new school (proposed completion date 2027), and discover local parks, restaurants, shopping, and scenic vineyards. With the QEW JUST MINUTES AWAY and Grimsby GO Station approximately 10 minutes away, commuting is a breeze. Niagara Falls and the U.S. border are just 30 minutes away, with Toronto approximately an hour's drive. A PLACE TO SETTLE IN, CONNECT & ENJOY LIFE! Some images virtually staged. CLICK ON MULTIMEDIA for virtual tour, floor plans & more. More detailsListed by RE/MAX Escarpment Realty Inc.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
-
104 Hampson Crescent in Rockwood: 43 - Rockwood Single Family Residence for sale (Guelph/Eramosa) : MLS®# 40877754
104 Hampson Crescent Rockwood N0B 2K0
$1,249,900Residential- Status:
- Active
- MLS® Num:
- 40877754
- Bedrooms:
- 4
- Bathrooms:
- 3
- Floor Area:
- 3,205 sq. ft.
SPECTACULAR BACKYARD WITH INGROUND SALTWATER POOL! BACKING ONTO GREENSPACE! 4 BEDROOMS! Welcome to 104 Hampson Crescent, an impressive 4-bedroom home with a spacious upper-level loft, situated on a beautifully landscaped, deep lot backing onto greenspace. Offering exceptional space, privacy and outdoor living, this home is ideal for growing families and entertaining. The bright main floor features a separate living room, formal dining room with serving pantry, and an open-concept kitchen with walk-in pantry, breakfast bar and generous eat-in area overlooking the family room. Large windows fill the home with natural light, while main-floor laundry adds convenience. Upstairs, four bedrooms and a versatile loft provide plenty of space for family living, a home office or additional recreation area. Step outside to your own private backyard retreat featuring a heated inground saltwater pool, hot tub, cabana, gazebo and outdoor stone fireplace. Professional landscaping, interlocking stone patios and walkways, natural stone steps and wrought-iron fencing create an incredible setting for entertaining. A heated double-car garage with epoxy flooring, ample storage and parking for six vehicles in the driveway add to the home's appeal. Located in the welcoming community of Rockwood, enjoy small-town living with convenient access to Guelph, Acton and the GTA. Nearby Rockwood Conservation Area offers scenic trails, limestone cliffs and outdoor recreation, while local parks, schools, shops and restaurants are just minutes away. A great place to live and play. More detailsListed by Real Broker Ontario Ltd.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
Data was last updated November 13, 2026 at 11:50 PM (UTC)
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