Jackie  Warner

Jackie Warner

Sales Representative

Mobile:
905-599-3251
Office:
905-831-2222
Marlee  Warner

Marlee Warner

Sales Representative

Royal Heritage Realty Ltd., Brokerage*

Mobile:
905-464-5193
Office:
905-831-2222
Email Me

Hire Top Class Real Estate Agents Who Will Invest In Your Future

Unlock Home Buyer Programs with

Government programs can save you thousands and make homeownership more affordable. With expert guidance from Bhawana Rana , you can take full advantage of these opportunities and find your dream home faster.

Discover Your Eligible Home Buyer Programs

Answer 3 quick questions to find out which programs may apply to you.

You may qualify for

 

Note: Eligibility may vary. Please check official sites for full details

Start exploring homes with our Dream Home Finder and make the most of the programs you may qualify for.

We didn't find a match in our current list of programs and rebates.

But don't worry — our list doesn't include every program across all provinces, and eligibility can vary, so you may still have options available.

Use our Dream Home Finder to explore homes today and be ready for opportunities when programs become available.

or share your results with to confirm your eligibility and find the best savings.

Or send your results to to review your situation and find more ways to save on your home.

 

Have Questions?

Home Buyer’s Plan (HBP)

The HBP allows you withdraw up to $60,000 from your RRSP tax-free to buy or build your first home. You'll have up to 15 years to repay the funds, starting the second year after withdrawal.

Tip

If buying with a partner, each of you can withdraw $60,000, for a combined $120,000 toward your down payment.

Looking for help with Home Buyer’s Plan application?

Who is eligible?
  • Canadian resident
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Have a written agreement to buy or build a qualifying home
  • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Check Out Some of ’s listings that could qualify for the Home Buyer’s Plan.

First-Home Savings Account (FHSA)

The FHSA is a registered plan that combines the benefits of an RRSP and TFSA — tax-deductible contribution and tax-free withdrawal for your first home. You can contribute up to $8,000 per year, with a lifetime maximum of $40,000.

Who is eligible?
  • Canadian resident
  • 18 to 71 years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • When making a withdrawal:
    • Have a written agreement to buy or build a qualifying home
    • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Looking for help with First Home Savings Account?

Tips

Open FHSA early in the year to maximize your annual contributions and investment growth.

Government Programs for Home Buyers


Maximize Your First Home Budget

Curious how to combine the HBP with the FHSA to boost your down payment? Connect with today to build the best strategy for your first home

Have Questions?

Land Transfer Tax Rebates

The LTT is a provincial and/or municipal tax paid when purchasing a property. Some provinces offer rebates for first-time home buyers

Looking for help with your Land Transfer Tax Rebate application?

Who is eligible?
  • Canadian citizen and permanent resident
  • 18+ years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Plan to occupy the home as your principal residence within 9 months
How much can you get?
  • Ontario: Up to $4,000
  • Toronto: Up to $4,475 in addition to the Ontario rebate
  • British Columbia: Full exemption for homes up to $500,000
  • Other provinces vary; check your local rules

Estimate your land transfer tax in seconds. Use our Land Transfer Tax Calculator to see how much tax you’ll pay and any potential rebate you may qualify for.

powered by Ratehub.ca

Have your Land Transfer Tax figured out?

Receive updates on newly listed properties in your area and make your next move easier.

Home Buyer’s Amount (HBA)

Also known as the First-Time Home Buyers’ Tax Credit (HBTC), this on-refundable tax credit helps with closing costs. You can claim up to $10,000, which translates to a maximum tax reduction of $1,500.

Who is eligible?
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Bought a qualifying home in Canada
  • Plan to occupy the home as your principal residence within one year of purchase
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detached homes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

See how has helped clients turn their homeownership dreams into reality. Get in touch today to start your own journey.

 

TESTIMONIALS

  • Marlee did a excellent job both will selling our property as well as finding a new home in a short period of time. She was very patient and professional throughout the selling of our home and she always stayed positive and reassured us things will work out, and it did. Thank you very much! I would absolutely recommend Marlee to anyone looking for a reliable agent, thanks.

    Ben
  • Marlee you made this whole experience totally worth it. You answered every question we had, showed us some beautiful homes very quickly to meet our deadline and overall we are just super happy for our new beginnings with the help from you!! Thank you ever so much for being so caring, thoughtful and just an amazing Agent to have worked with! 

    Miranda & Michael
  • Marlee is top tier. Best agent out there. Extremely professional and friendly. In a time when we were stressed and overwhelmed she gave us nothing but peace of mind and understanding. I’m so grateful that we chose her to represent us. Best decision for my family and I. 10/10.

    Marwa I.
  • Marlee was the definition of professional. Always making sure I was the priority, taking texts and calls at any given time. Always looking out for my best interest. As a first time home buyer the process was very overwhelming, but Marlee made sure I was comfortable and had an understanding of everything by the end. I couldn’t recommend her enough!

    Corey C.
  • Thanks to Marlee's expertise and unwavering support, I was able to find the perfect condo that exceeded all my expectations. Instead of pushing me towards a quick sale, she took the time to truly understand my needs and preferences. Then patiently guided me through the search process, offering valuable insights and advice along the way. I can't recommend Marlee enough to anyone in search of their dream home. Thank you for making my condo-buying experience so enjoyable and smooth!

    Michael B
  • I can't thank you enough Marlee for being the most awesome, amazing real estate agent ever. Your patience has been more than outstanding with me with this being one hell of a ride. My heart belongs to you. THANK YOU!

    K.D.
  • Working with Marlee has been an outstanding experience and brings a level of integrity and professionalism that is truly unparalleled. Her knowledge and genuine passion made the entire process smooth and enjoyable. I wholeheartedly recommend Marlee in your next move and to anyone seeking a dependable real estate agent

    John C.
  • Working with Jackie has been an absolute pleasure. She was professional and outstanding customer service. She was in regular communication even when there was nothing to report. She didn’t just throw a sign on the lawn and walk away! Her slogan is correct, “it’s the transition, not the transaction “. I will and have recommended her to everyone I know if you want White Glove Service

    Ryan & Krista
  • From one Realtor to another, thank you to Jackie for your hard work and professionalism. It’s been a pleasure working with you.

    -M.A.K.
  • Working with Jackie was a great experience. Her dedication and professionalism were clear from the start. She has a strong understanding of the real estate market and genuinely cares about helping clients find the right home. The process was smooth and straightforward, thanks to her expertise. I would recommend Jackie to anyone looking for someone in your corner!

    Liz L
  • (PT 1) From the moment I interviewed Jackie to sell my mother’s home she made promises of how she was going to help us to sell the home. This was probably one of the most difficult homes to sell due to the diverse nature of the property. Right to the very beginning to end she fulfilled everything she said she would do. 

    Caroline Thornborrow
  • (PT 2) The biggest impact for my mother and myself was all the communication since day one, and her complete and forthcoming honesty about what we could expect.. I can honestly say, if you get the chance to work with her you will be in great hands, and very glad you choose her as your realtor.

    Caroline Thornborrow
  • (PT 1) Working with Marlee throughout my home selling process was genuinely one of the best decisions I could have made. From day one, she went above and beyond at every single step and made what could have been an overwhelming process feel manageable and exciting. We worked together for several months, and throughout the entire experience she was in constant communication, always keeping me updated, answering questions quickly, and making sure I felt informed and confident in every decision. 

    Alyssa B
  • (PT 2) No matter what roadblocks came up, Marlee handled them calmly and professionally, taking so much pressure and stress off of me. I always felt like she was advocating for my best interests. What stood out most was how much I trusted her. She is incredibly knowledgeable about the market, the process, and every detail that comes with buying and selling real estate. Anytime I was unsure about something, she took the time to explain it thoroughly and honestly.

    Alyssa B
  • (PT 3) I never once felt rushed or pushed into a decision. On top of helping me sell my condo, Marlee also helped me secure a rental unit during the process, which just further showed how dedicated she is to supporting her clients however she can. Having someone so proactive, resourceful, and reliable during such a busy time made a huge difference for me. Beyond her professionalism, Marlee is someone who truly cares about her clients. 

    Alyssa B
  • (PT 4) She was patient, supportive, responsive, and consistently went the extra mile to make sure everything went smoothly. I always felt like I was in good hands.I would recommend Marlee to absolutely anyone looking for a real estate agent who is knowledgeable, trustworthy, hardworking, and genuinely invested in her clients. I honestly could not have asked for a better experience.

    Alyssa B
  • I can't say enough good things about Marlee. Professional,  patient, organized and a pleasure to work with. She made things as easy as possible during a very stressful time! Also happy to say she is a friend for life. I highly recommend - R. Pawley

    R. Pawley

CMHC Improvements (Purchase Plus Improvements)

The CMHC Improvement program lets you add eligible renovation costs to your mortgage — up to 10% of the improved value of the home Market value after renovations. . Ideal for buying a fixer-upper or upgrading immediately without a separate loan.

Tips

For owner-built or rental properties, you may qualify for construction financing or small rental loans under different rules.

Sign up for Neighborhood Buzzer to get updates on homes with renovation potential

Who is eligible (1- 2 unit owner-occupied properties)?
  • Canadian citizen, permanent resident, or non-permanent resident with a valid work permit
  • Minimum credit score of 600
  • Purchase price under $1,500,000
  • Minimum down payment: 5% on first $500,000 + 10% on the remainder
  • Maximum amortization period: 25 years
Note: Eligibility criteria vary for 3 - 4 unit owner-occupied properties
What homes qualified?
  • Located in Canada
  • Suitable for full-time, year-round occupancy
  • Must have year-round access

GST/HST New Housing Rebate

The rebate allows you recover a portion of the GST or HST paid on a new or substantially renovated home.

Who is eligible?
  • Bought from a builder, built your own home, or completed major renovations
  • Primary residence for you or a close family member
How much can you get?
  • Federal portion: Up to 36% of the GST paid, to a maximum of $6,300
  • Provincial portion: Varies by province. For example, you can get up to $24,000 in Ontario

Looking for help with your GST/HST New Housing Rebate application?

 

Have Questions?