An agent's role is to coordinate timing and connect a buyer to a mortgage broker or lawyer who handles the paperwork for each program, since the Home Buyers' Plan withdrawal and the FHSA contribution both have deadlines and rules that need to line up with your closing date. Joel helps sequence those steps so nothing gets missed between offer and possession.
With the citywide benchmark at $444,700, a first-time buyer using the Home Buyers' Plan's $60,000 RRSP withdrawal and an FHSA balance can often reach a meaningful down payment without dipping into non-registered savings, but the right combination depends on each buyer's specific accounts and timeline.
Joel Dyck reviews your situation and connects you with the right professionals so the programs you qualify for actually get used. Get your hand-reviewed valuation from Joel Dyck.