Own your dream
home with Zero Down
Payment Program*
You can buy a home with zero dollars saved in your chequing account towards your down-payment.
Contact Us
You Can Become a
Home Owner Faster Than
You Think.
40+
Lenders on panel650+
Min. Credit Score500+
Happy Home Owners
Down payment Assistance
You can use the funds available in the government approved programs for first time home buyers.
Simple Application
Minimal paperwork, maximum results.
Competitive Rates
We will shop around for the best rates with 40+ lenders.
Why Work with Us?
Turn Rent into Equity
Renting means paying into someone else’s future. With our program, you can start investing in your own—one payment at a time.
Stay Ahead of Soaring Prices
Timing matters. Our program lets you secure a home now—before prices push it out of reach.
A program for First time home buyers
Exclusively for the first time home buyers, this program will guide you to save for the down-payment using the government approved financial vehicles.
Minimum Down
Payment Requirements
Based on the Government of Canada's Financial Consumer Agency:
Home price of up to $500,000: minimum 5% of the purchase price.
Example
Home price: $450,000
5% = $22,500
Example
Home price: $450,000
5% = $22,500
From $500,001 to $1.5 million: 5% on the first $500,000, 10% on the portion above that.
Example
Home price: $700,000
5% of the first $500,000 = $25,000
10% of the remaining $200,000 = $20,000
Total down payment = $45,000
Example
Home price: $700,000
5% of the first $500,000 = $25,000
10% of the remaining $200,000 = $20,000
Total down payment = $45,000
$1.5 million or more: minimum 20% of the purchase price.
Example
Home price : 1.6 million
20% of $1,600,000 = $320,000
(20% is required, if the house is over $1.5M)
Example
Home price : 1.6 million
20% of $1,600,000 = $320,000
(20% is required, if the house is over $1.5M)
Home Buyer Programs
There are mainly three tax-free down-payment saving programs by the government for the First time home buyers. Out of this, RRSP is the most commonly used plan to save down-payment by the First-time home buyers. Unfortunately, many first-time buyers assume that they need to save the full down-payment in their chequing or savings accounts to buy the first home. With the Zero down payment program, we are educating the buyers on how to save towards their first home using the below mentioned government programs. Eventually with zero dollars saved in their chequing or regular savings account, the customers should be able to buy their first home.
Home Buyers’ Plan (HBP)
Allows you to withdraw up to $60,000 from your RRSP, tax free, to use as part of your down payment. The amount must be repaid within 15 years.
First Home Savings Account (FHSA)
This tax-advantaged savings account lets you contribute up to $8,000 per year (lifetime limit of $40,000) for a first home purchase. Contributions are tax-deductible, and withdrawals for a home are tax-free.
GST/HST New Housing Rebate
For newly built or extensively renovated homes, you may recover a portion of the GST or federal portion of HST—up to 36% of the tax paid, with a maximum of around $6,300. Provincial-level rebates may also apply.
Check your Eligibility
Credit Score of 650+
A good credit history shows you're responsible with debt.
Citizenship or PR Status
Available to Canadian citizens and permanent residents.
2+ Years Stable Work
Consistent employment history demonstrates financial stability.
First-time Home Buyer
A first-time homebuyer is someone who has never purchased a residential property before, or who hasn't occupied a home they or their spouse owned in the past four years.
1.5%-2% of Purchase Price to pay for Closing Cost
You should have 1.5% to 2% of the home price saved towards your closing costs.
Meet these requirements? You could be a homeowner in weeks!
