Have you ever owned a property — anywhere in the world — that you lived in as your principal residence?

📌 Why this matters: Different programs have different rules. The Ontario Land Transfer Tax Rebate requires you to have never owned a principal residence. However, the Home Buyers' Plan (HBP) and FHSA allow re-entry if you haven't owned a home you lived in during the past 4 calendar years — so previous owners may still qualify for key programs.

No — I have never owned a home I lived in

I owned a property, but never lived in it as my principal residence (investment/rental only)

I previously owned a home I lived in, but not in the last 4–5 years

Yes — I currently own or have previously owned a home I lived in within the last 4 years

My spouse/partner owns or has owned a home they lived in, but I have not

In the past 4 years, has your current spouse or common-law partner owned a home they lived in as their principal residence?

📌 Why this matters: For the FHSA and the Home Buyers' Tax Credit, if you are buying with a spouse/partner who owned a home in the past 4 years, you cannot be considered a first-time buyer for those programs — even if you personally have never owned. This rule does not apply to the Land Transfer Tax Rebate if you personally have never owned.

No — my partner has not owned in the past 4 years (or I am buying alone)

Yes — my spouse/partner owned a home they lived in within the last 4 years

Not applicable — I am buying alone

What is your current residency or citizenship status in Canada?

📌 Why this matters: You must be a Canadian citizen, permanent resident, or certain work/study permit holder to qualify for the FHSA, HBP, and the federal Home Buyers' Tax Credit. The Ontario Land Transfer Tax Rebate requires you to be a Canadian citizen or permanent resident.

Canadian Citizen or Permanent Resident

Work Permit or Study Permit Holder (authorized to work/study in Canada)

Other / Not yet a resident or citizen

What type of property are you planning to buy, and how will you use it?

📌 Why this matters: The Land Transfer Tax Rebate and the Home Buyers' Tax Credit both require the home to become your principal residence. The 2026 HST Relief Program applies to both principal residences and residential rentals. The type of property affects which credits and rebates apply.

Resale home — as my primary residence (existing/used home)

Newly built home (pre-construction condo, new house, or new build) — as my primary residence

Newly built home — as a residential rental property

Investment / commercial use only

Do you currently have a First Home Savings Account (FHSA), or are you planning to open one?

📌 Why this matters: The FHSA is one of the most powerful savings tools available. You can contribute up to $8,000/year (lifetime limit: $40,000), get a tax deduction on contributions, and withdraw entirely tax-free when buying your first home. It can be combined with the HBP for maximum impact.

Yes — I already have an FHSA open

No, but I plan to open one before purchasing

No — I don't have one and haven't considered it

Not sure — I'd like to learn more

Do you have an RRSP with savings you could use toward a down payment?

📌 Why this matters: The Home Buyers' Plan (HBP) lets you withdraw up to $60,000 tax-free from your RRSP for a down payment (or $120,000 combined with your spouse). You have 15 years to repay it back into your RRSP. Funds must have been in the RRSP for at least 90 days before withdrawal.

Yes — I have RRSP savings I could use

Yes — but my RRSP balance is relatively small

No — I don't have an RRSP

When are you planning to purchase your first home?

📌 Why this matters: Some programs are time-sensitive. The Ontario HST Relief Program (full 13% rebate on new homes) runs from April 1, 2026 to March 31, 2027. The FHSA requires you to open the account before buying. Knowing your timeline helps prioritize which programs to act on first.

Within the next 6 months

6 to 12 months from now

1 to 2 years from now

More than 2 years away — still planning

Are you planning to purchase within the City of Toronto (not just the GTA)?

📌 Why this matters: Properties within Toronto's city limits are subject to a second Municipal Land Transfer Tax (MLTT) on top of the provincial LTT. First-time buyers in Toronto are eligible for an additional rebate of up to $4,475 — stacked with the provincial $4,000 rebate for total savings of up to $8,475.

Yes — I am buying within the City of Toronto

No — I'm buying in the GTA but outside the City of Toronto (e.g., Mississauga, Markham, Vaughan, Brampton, Richmond Hill)

No — I'm buying outside the GTA entirely

Your Program Eligibility Breakdown

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Disclaimer: This quiz is intended for general informational and educational purposes only. Results are approximate and based on the information you have provided. Program eligibility rules, contribution limits, rebate thresholds, and tax implications are subject to change by federal and provincial governments. This tool does not constitute legal, financial, tax, or mortgage advice. Always verify current program details directly with the Canada Revenue Agency (CRA), the Ontario Ministry of Finance, and consult with a qualified mortgage professional, accountant, or real estate lawyer before making any financial decisions. Ali Bolourchi, Broker, and RE/MAX Your Community Realty, Brokerage are not responsible for any decisions made on the basis of this quiz.

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Disclaimer: This quiz is intended for general informational and educational purposes only and does not constitute legal, financial, or tax advice. Program eligibility, limits, and availability are subject to change. Please verify all information with the CRA, Ontario Ministry of Finance, or a qualified professional before making any financial decisions.