First Time Home Buyers | Ksenia Warhol Team

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*If you purchase a pre-construction property with us, we'll cover the cost of a builder's contract review by our experienced lawyers!

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Ksenia Warhol Team

Right at Home Realty, Inc.

A home with savings for your first purchase

Your first home.
A place to call your own.
An investment in your life.

Buying a home for the first time is a big and important decision in your life. It is not only a place to call home, a place to raise a family and your comfortable nest. It is also most likely the biggest investment of your life.

01 A home that fits your life

You have to consider:

Safety and convenience
Proximity to work, schools, parks and shopping
Your commute
Places of worship, hobbies, friends and family

02 Support at every step

As someone who represents you and looks out for your best interests, our team offers you a no-risk experience. We are experienced real estate experts, we have a list of reliable partners, and we will minimize all the risks for you.

We are a one-stop shop. Buying a home with our team is a breeze. We will help you every step of the way.

03 Make every dollar count

We will assist you with finding the best deals for affordable homes and the cheapest homes in Toronto and the GTA. We also have access to the best mortgage rates (better than bank employee rates) and will help you save the most money, because we understand that when you are buying for the first time, every dollar counts.

If you are interested in any of the following, please send us a request:

Bargains and fixer-uppers
Distressed homes
Homes not on the market and coming-soon homes
Relocation and divorce sales
Pre-construction deals
Harder-to-find deals

Savings are as easy as one, two, three

1. First-time home buyer savings

We would like to introduce you to the First-Time Home Buyers’ Tax Credit.

The First Home Savings Account (FHSA) is a government program geared towards buyers like you. The objective is to reduce costs associated with purchasing a home. As a first-time buyer, you are eligible to contribute a maximum of $8,000 a year (2026) for home purchase costs, up to a total of $40,000 per person for buying a house.

You are considered to be a first-time buyer if neither you nor your spouse or common-law partner has owned and lived in another home in the year of the purchase or in any of the four previous years.

2. RRSP Home Buyers’ Plan

You can also take advantage of the RRSP Home Buyers’ Plan. You can withdraw up to $60,000 per person from your RRSP.

3. Land transfer tax savings

You can take advantage of land transfer tax savings for first-time buyers: $4,000 for Ontario and, if you are buying in Toronto, another $4,475.

Combine these savings with a great home price and mortgage rate savings, and we can help you buy your home sooner and/or buy a bigger home for your money. As we said, every dollar counts.