The First Home Savings Account is the closest thing to true assistance, since contributions up to $8,000 a year to a $40,000 lifetime limit are tax deductible going in and the withdrawal is tax free coming out, with no repayment required. The Home Buyers' Plan is a loan from your own RRSP, up to $60,000, repaid to yourself over 15 years, which helps with cash flow now at the cost of reduced retirement savings later unless you keep up the repayments.
Some employers and family gifts also factor in here, and a gifted down payment is common and generally accepted by Saskatoon lenders provided it comes with a simple gift letter confirming it is not a loan.
Setting up a First Home Savings Account as early as possible is the single most effective step a future Saskatoon buyer can take, since the annual contribution room does not fully carry forward the way some registered accounts allow.
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