{"id":2379,"date":"2022-07-11T21:02:22","date_gmt":"2022-07-12T01:02:22","guid":{"rendered":"https:\/\/lescourtiershypothecaires.ca\/regime-acces-propriete-rap\/"},"modified":"2024-09-03T16:47:17","modified_gmt":"2024-09-03T20:47:17","slug":"home-buyers-plan-hbp","status":"publish","type":"page","link":"https:\/\/lescourtiershypothecaires.ca\/en\/home-buyers-plan-hbp\/","title":{"rendered":"Home Buyers&#8217; Plan (HBP)"},"content":{"rendered":"<p>[vc_row full_height=&#8221;yes&#8221; columns_placement=&#8221;bottom&#8221; parallax=&#8221;enable_parallax&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; bg_position=&#8221;custom&#8221; enable_overlay=&#8221;yes&#8221; css=&#8221;.vc_custom_1663621969252{padding-bottom: 100px !important;background: #111214 url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/r-architecture-2gDwlIim3Uw-unsplash.jpg?id=1397);background-position:center;background-repeat:-repeat;background-size:cover;}&#8221; responsive_css=&#8221;padding_top_large:200px|padding_bottom_large:200px|padding_right_medium:7%25|padding_bottom_medium:15vw|padding_left_medium:7%25&#8243; ca_duration=&#8221;1600&#8243; ca_start_delay=&#8221;850&#8243; ca_delay=&#8221;160&#8243; ca_init_translate_y=&#8221;25&#8243; bg_pos_h=&#8221;80%&#8221; bg_pos_v=&#8221;50%&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.59)&#8221;][vc_column]<style>.ld_fancy_heading_69e9f4c97eb10 h1{color:rgb(255, 255, 255);}.ld_fancy_heading_69e9f4c97eb10 h1 {padding-top:100px !important;  } .ld_fancy_heading_69e9f4c97eb10 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c97eb10 h1 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69e9f4c97eb10\">\n\t<h1 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h1\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  The Home Buyers&#8217; Plan (HBP)<\/h1><\/div><style>.ld_fancy_heading_69e9f4c97f999 p{color:rgb(255, 255, 255);}.ld_fancy_heading_69e9f4c97f999 p {font-size:17px; } .ld_fancy_heading_69e9f4c97f999 p {line-height:28px; } .ld_fancy_heading_69e9f4c97f999 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c97f999 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c97f999 p {font-size:17px; } .ld_fancy_heading_69e9f4c97f999 p {line-height:28px; } .ld_fancy_heading_69e9f4c97f999 p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69e9f4c97f999\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  <span style=\"font-weight: 400\">Are you looking to buy your first home but need some financial assistance? Many new buyers are in the same situation as you! Good news: the federal government wants to help you achieve your property dream, which is why it offers various options, including the <\/span><b>Home Buyers&#8217; Plan (HBP)<\/b><span style=\"font-weight: 400\">.<\/span><\/p><\/div><style>.ld_spacer_69e9f4c980045{height:15px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_69e9f4c980045\"><\/div><style>.ld_fancy_heading_69e9f4c9802a6 p{color:rgb(255, 255, 255);}.ld_fancy_heading_69e9f4c9802a6 p {font-size:17px; } .ld_fancy_heading_69e9f4c9802a6 p {line-height:28px; } .ld_fancy_heading_69e9f4c9802a6 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c9802a6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c9802a6 p {font-size:17px; } .ld_fancy_heading_69e9f4c9802a6 p {line-height:28px; } .ld_fancy_heading_69e9f4c9802a6 p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69e9f4c9802a6\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  <span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">Launched in 1992, the highly popular Home Buyers&#8217; Plan, commonly known as the HBP, is one of the government programs specially designed for first-time buyers. Learn more about this program and how it can help you become a homeowner.<\/span><span style=\"font-weight: 400\"><\/p>\n<p><\/span><\/p><\/div><style>.ld_fancy_heading_69e9f4c98064a p{color:rgb(255, 255, 255);}.ld_fancy_heading_69e9f4c98064a p {font-size:17px; } .ld_fancy_heading_69e9f4c98064a p {line-height:28px; } .ld_fancy_heading_69e9f4c98064a p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c98064a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c98064a p {font-size:17px; } .ld_fancy_heading_69e9f4c98064a p {line-height:28px; } .ld_fancy_heading_69e9f4c98064a p {--element-line-height:28px; } <\/style><div class=\"ld-fancy-heading text-center ld_fancy_heading_69e9f4c98064a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-words\"   data-split-text=\"true\" data-split-options='{\"type\":\"words\"}' data-custom-animations=\"true\" data-ca-options='{\"triggerHandler\":\"inview\",\"animationTarget\":\".lqd-words > .split-inner\",\"duration\":\"1500\",\"startDelay\":\"100\",\"delay\":\"40\",\"ease\":\"bounce.inOut\",\"direction\":\"random\",\"initValues\":{\"opacity\":0},\"animations\":{\"opacity\":1}}'>  <\/p>\n<h4><span style=\"font-weight: 400;color: #ffffff\">Interested in the Home Buyers&#8217; Plan? Speak to a mortgage broker<\/span><\/h4>\n<p>&nbsp;<\/p><\/div>[vc_row_inner css=&#8221;.vc_custom_1662635428011{padding-top: 20px !important;padding-bottom: 20px !important;}&#8221;][vc_column_inner responsive_align=&#8221;text-center&#8221;]<style>.ld_button_69e9f4c980989.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69e9f4c980989.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69e9f4c980989.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69e9f4c980989{background-color:#b8952c;border-color:#b8952c;}.ld_button_69e9f4c980989:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69e9f4c980989 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69e9f4c980989 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69e9f4c980989 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69e9f4c980989:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69e9f4c980989:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69e9f4c980989 vc_custom_1671065000709\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET YOUR RATE\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET YOUR RATE<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column css=&#8221;.vc_custom_1608189980216{padding-top: 17px !important;}&#8221;][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(255,255,255,0.23)&#8221;][\/vc_column][\/vc_row][vc_row parallax=&#8221;enable_parallax&#8221; css=&#8221;.vc_custom_1663637907098{padding-top: 50px !important;padding-bottom: 100px !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/07\/drew-beamer-kUHfMW8awpE-unsplash.jpg?id=821) !important;background-position: center;background-repeat: no-repeat;background-size:cover;}&#8221;][vc_column enable_hover_move=&#8221;lqd-column-move-onhover&#8221; width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1660816182660{padding-top: 100px !important;}&#8221; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69e9f4c981166 h6 {font-size:13px; } .ld_fancy_heading_69e9f4c981166 h6 {font-weight:700; } .ld_fancy_heading_69e9f4c981166 h6 {letter-spacing:0.7em; } .ld_fancy_heading_69e9f4c981166 h6 {margin-bottom:2em !important;  } .ld_fancy_heading_69e9f4c981166 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c981166 h6 {font-size:13px; } .ld_fancy_heading_69e9f4c981166 h6 {font-weight:700; } .ld_fancy_heading_69e9f4c981166 h6 {letter-spacing:0.7em; } .ld_fancy_heading_69e9f4c981166 h6 {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading text-uppercase ld_fancy_heading_69e9f4c981166\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  The Home Buyers&#8217; Plan (HBP)<\/h6><\/div><style>.ld_fancy_heading_69e9f4c981b0c h2{color:rgb(0, 0, 0);}.ld_fancy_heading_69e9f4c981b0c h2 {font-size:60px; } .ld_fancy_heading_69e9f4c981b0c h2 {line-height:60px; } .ld_fancy_heading_69e9f4c981b0c h2 {--element-line-height:60px; } .ld_fancy_heading_69e9f4c981b0c h2 {font-weight:500; } .ld_fancy_heading_69e9f4c981b0c h2 {margin-bottom:0.6em !important;  } .ld_fancy_heading_69e9f4c981b0c .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c981b0c h2 {font-size:60px; } .ld_fancy_heading_69e9f4c981b0c h2 {line-height:60px; } .ld_fancy_heading_69e9f4c981b0c h2 {--element-line-height:60px; } .ld_fancy_heading_69e9f4c981b0c h2 {font-weight:500; } .ld_fancy_heading_69e9f4c981b0c h2 {margin-bottom:0.6em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c981b0c\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Multi-Pr\u00eats<\/h2><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;20&#8243; accent_color=&#8221;rgb(143, 143, 143)&#8221;][\/vc_column][vc_column width=&#8221;1\/2&#8243; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;margin_right_large:-50px&#8221; ca_duration=&#8221;1000&#8243; ca_delay=&#8221;120&#8243; ca_init_translate_y=&#8221;70&#8243;]<style>.ld_fancy_heading_69e9f4c982390 h2{color:rgb(0, 0, 0);}.ld_fancy_heading_69e9f4c982390 h2 {padding-top:100px !important;  } .ld_fancy_heading_69e9f4c982390 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c982390 h2 {padding-top:100px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c982390\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines h2\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  <\/p>\n<h2><span style=\"font-weight: 400\">What is the Home Buyers&#8217; Plan?<\/span><\/h2>\n<p><\/h2><\/div><style>.ld_fancy_heading_69e9f4c9828b9 p{color:rgb(0, 0, 0);}.ld_fancy_heading_69e9f4c9828b9 p {font-size:17px; } .ld_fancy_heading_69e9f4c9828b9 p {line-height:28px; } .ld_fancy_heading_69e9f4c9828b9 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c9828b9 p {margin-bottom:2em !important;  } .ld_fancy_heading_69e9f4c9828b9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c9828b9 p {font-size:17px; } .ld_fancy_heading_69e9f4c9828b9 p {line-height:28px; } .ld_fancy_heading_69e9f4c9828b9 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c9828b9 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c9828b9\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  <\/p>\n<p>By definition, the Home Buyers&#8217; Plan (HBP) is a measure that allows you to withdraw from your own Registered Retirement Savings Plans (RRSPs). These withdrawals are not taxable, which is a major benefit for optimizing your budget when buying your home.<\/p>\n<p><\/p><\/div><style>.ld_fancy_heading_69e9f4c982b4a p{color:rgb(0, 0, 0);}.ld_fancy_heading_69e9f4c982b4a p {font-size:17px; } .ld_fancy_heading_69e9f4c982b4a p {line-height:28px; } .ld_fancy_heading_69e9f4c982b4a p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c982b4a p {margin-bottom:2em !important;  } .ld_fancy_heading_69e9f4c982b4a .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c982b4a p {font-size:17px; } .ld_fancy_heading_69e9f4c982b4a p {line-height:28px; } .ld_fancy_heading_69e9f4c982b4a p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c982b4a p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c982b4a\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  <\/p>\n<p style=\"font-weight: 400\">\n<\/span><span style=\"font-weight: 400\">Before 2009, the withdrawal limit from RRSPs was $25,000 for a single person. Fortunately, the Department of Finance adjusted this limit to reflect the increase in the cost of living. Today, this limit is $60,000 for a single borrower and can reach $120,000 if you use the HBP with your partner. The amount withdrawn from your RRSPs is repayable over 15 years, which is not too stressful. This amount must be reported on your income tax return but will not increase your taxable income if you meet the program&#8217;s conditions.<\/p>\n<p><\/p><\/div><style>.ld_fancy_heading_69e9f4c982df0 p{color:rgb(0, 0, 0);}.ld_fancy_heading_69e9f4c982df0 p {font-size:17px; } .ld_fancy_heading_69e9f4c982df0 p {line-height:28px; } .ld_fancy_heading_69e9f4c982df0 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c982df0 p {margin-bottom:2em !important;  } .ld_fancy_heading_69e9f4c982df0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c982df0 p {font-size:17px; } .ld_fancy_heading_69e9f4c982df0 p {line-height:28px; } .ld_fancy_heading_69e9f4c982df0 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c982df0 p {margin-bottom:2em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c982df0\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default lqd-split-lines\"   data-split-text=\"true\" data-split-options='{\"type\":\"lines\"}'>  <\/p>\n<p style=\"font-weight: 400\">\n<\/span><span style=\"font-weight: 400\">The HBP is available to individuals or couples buying a primary residence for the first time, but it is possible, under certain circumstances, to use the HBP more than once in your life. In this case, you must have completed the repayment of any previous HBP withdrawals. Additionally, the withdrawal limit of the HBP must be adhered to avoid any taxation.<\/p>\n<p><\/p><\/div>[vc_separator color=&#8221;custom&#8221; align=&#8221;align_left&#8221; border_width=&#8221;2&#8243; el_width=&#8221;60&#8243; accent_color=&#8221;rgb(130, 130, 130)&#8221; css=&#8221;.vc_custom_1657548548337{padding-top: 5% !important;padding-bottom: 5% !important;}&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;1&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; css=&#8221;.vc_custom_1663637025258{padding-bottom: 100px !important;background-color: #fafafa !important;}&#8221; responsive_css=&#8221;margin_bottom_large:0px|padding_bottom_large:0px&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69e9f4c983103 h2 {margin-bottom:0.35em !important;  } .ld_fancy_heading_69e9f4c983103 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c983103 h2 {margin-bottom:0.35em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c983103\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Who is eligible for the HBP?<\/h2><\/div><style>.ld_fancy_heading_69e9f4c983378 p {font-size:17px; } .ld_fancy_heading_69e9f4c983378 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c983378 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c983378 p {font-size:17px; } .ld_fancy_heading_69e9f4c983378 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c983378\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <b><br \/>\n<\/b><span style=\"font-weight: 400\">Not everyone can use the HBP. Your eligibility depends on the characteristics of your purchase and your borrowing profile. The property concerned by the HBP must become your primary residence, which excludes a property you would only use a few months a year, like a cottage or a vacation home.<\/span><\/p><\/div><style>.ld_fancy_heading_69e9f4c983639 p {font-size:17px; } .ld_fancy_heading_69e9f4c983639 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c983639 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c983639 p {font-size:17px; } .ld_fancy_heading_69e9f4c983639 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c983639\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">To be eligible, you must meet one of the following criteria:<\/span><\/p><\/div><style>.ld_list_69e9f4c98384b li{margin-bottom:px;}<\/style><div class=\"one-bullet-list\">\n\n\t<ul id=\"ld_list_69e9f4c98384b\" class=\"reset-ul ld_list_69e9f4c98384b\">\n\t\t<li>You are buying a property for the first time in your life;<\/li><li>You did not own a principal residence during the 4 years preceding the HBP;<\/li><li>If you have already utilized the HBP<\/li><li> it must be reimbursed in full and on time;<\/li><li>You have signed a promise to purchase for an eligible home and it will become your principal residence within a maximum of 12 months.<\/li>\t<\/ul>\n\n<\/div><!-- \/.one-bullet-list --><style>.ld_fancy_heading_69e9f4c983a00 p {font-size:15px; } .ld_fancy_heading_69e9f4c983a00 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c983a00 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c983a00 p {font-size:15px; } .ld_fancy_heading_69e9f4c983a00 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c983a00\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Recently, it has also become possible to withdraw from RRSPs in the case of separation without waiting the usual 4 years, with the period reduced to 90 days. Additionally, exceptional situations, such as a disability, allow you to use the HBP to purchase a home adapted to your needs or for a disabled family member.<\/span><span style=\"font-weight: 400\"><\/p>\n<p><\/span><\/p>\n<p><strong>\u00a0<\/strong><\/p><\/div><style>.ld_fancy_heading_69e9f4c983cdd p {font-size:17px; } .ld_fancy_heading_69e9f4c983cdd p {margin-top:1.25em !important; margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c983cdd .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c983cdd p {font-size:17px; } .ld_fancy_heading_69e9f4c983cdd p {margin-top:1.25em !important; margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c983cdd\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h4>Discuss the Home Buyers&#8217; Plan with a mortgage broker<\/h4>\n<p><\/p><\/div><style>.ld_button_69e9f4c983fa4.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69e9f4c983fa4.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69e9f4c983fa4.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69e9f4c983fa4{background-color:#b8952c;border-color:#b8952c;}.ld_button_69e9f4c983fa4:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69e9f4c983fa4 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69e9f4c983fa4 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69e9f4c983fa4 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69e9f4c983fa4:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69e9f4c983fa4:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/contact-us\/#contact\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69e9f4c983fa4 vc_custom_1671065021703\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"Chat with a broker\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>Chat with a broker<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; column_top_onmobile=&#8221;yes&#8221; bg_position=&#8221;center center&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1663636825988{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/r-architecture-T6d96Qrb5MY-unsplash.jpg?id=1399) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.1)&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1663637078536{padding-bottom: 100px !important;background-color: #fafafa !important;}&#8221; responsive_css=&#8221;margin_bottom_large:0px|padding_bottom_large:0px&#8221;][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; column_top_onmobile=&#8221;yes&#8221; bg_position=&#8221;center center&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1663180941397{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/joel-filipe-RFDP7_80v5A-unsplash.jpg?id=1400) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.1)&#8221;][\/vc_column][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69e9f4c984887 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c984887\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  HBP Eligibility Conditions<\/h2><\/div><style>.ld_fancy_heading_69e9f4c9851d4 p {font-size:17px; } .ld_fancy_heading_69e9f4c9851d4 p {line-height:28px; } .ld_fancy_heading_69e9f4c9851d4 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c9851d4 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c9851d4 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c9851d4 p {font-size:17px; } .ld_fancy_heading_69e9f4c9851d4 p {line-height:28px; } .ld_fancy_heading_69e9f4c9851d4 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c9851d4 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c9851d4\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  Do you meet the eligibility criteria? Fantastic! You can now proceed with withdrawing your RRSPs with peace of mind. This process is subject to specific conditions:<\/p><\/div><style>.vc_accordion_69e9f4c986939 .accordion-title{font-size:19px;font-weight:400;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69e9f4c986939\" id=\"vc_accordion_69e9f4c986939\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481289-c657afa7-7997\" data-id=\"lqd-1661378481289-c657afa7-7997\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481289-c657afa7-7997\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69e9f4c986939\" data-bs-parent=\"#vc_accordion_69e9f4c986939\" href=\"#lqd-1661378481289-c657afa7-7997\" data-bs-target=\"#lqd-1661378481289-c657afa7-7997\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1661378481289-c657afa7-7997\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tAvailability of funds\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481289-c657afa7-7997\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69e9f4c986939\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481289-c657afa7-7997\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69e9f4c985dd3 p {margin-bottom:0px !important;  } .ld_fancy_heading_69e9f4c985dd3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c985dd3 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c985dd3\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">You need to ensure you have the necessary amounts in your RRSPs. The government requires that you have contributed the amount you wish to withdraw at least 90 days before the withdrawal. Remember that the maximum withdrawal is $60,000 per person, and the overall withdrawal limit for a couple is $120,000.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481387-696e5e94-f283\" data-id=\"lqd-1661378481387-696e5e94-f283\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481387-696e5e94-f283\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69e9f4c986939\" data-bs-parent=\"#vc_accordion_69e9f4c986939\" href=\"#lqd-1661378481387-696e5e94-f283\" data-bs-target=\"#lqd-1661378481387-696e5e94-f283\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661378481387-696e5e94-f283\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tThe withdrawal request\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481387-696e5e94-f283\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69e9f4c986939\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481387-696e5e94-f283\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69e9f4c9864a2 p {margin-bottom:0px !important;  } .ld_fancy_heading_69e9f4c9864a2 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c9864a2 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c9864a2\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">To proceed with the withdrawal, you must complete the T1036 form from the Canada Revenue Agency. This form, once completed, must be submitted to your RRSP issuer for the withdrawal to be validated.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1661378481480-e3224251-d872\" data-id=\"lqd-1661378481480-e3224251-d872\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1661378481480-e3224251-d872\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69e9f4c986939\" data-bs-parent=\"#vc_accordion_69e9f4c986939\" href=\"#lqd-1661378481480-e3224251-d872\" data-bs-target=\"#lqd-1661378481480-e3224251-d872\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1661378481480-e3224251-d872\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tWithdrawal of Funds\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1661378481480-e3224251-d872\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69e9f4c986939\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1661378481480-e3224251-d872\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69e9f4c9867b8 p {margin-bottom:0px !important;  } .ld_fancy_heading_69e9f4c9867b8 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c9867b8 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c9867b8\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">The funds must be withdrawn no later than 30 days after the purchase of the property. All withdrawals must occur within the same calendar year. Note that you cannot withdraw funds from an RRSP that does not belong to you. However, you are free to withdraw money from two RRSPs you own, provided you do not exceed the withdrawal limit.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_button_69e9f4c986b7a.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69e9f4c986b7a.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69e9f4c986b7a.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69e9f4c986b7a{background-color:#b8952c;border-color:#b8952c;}.ld_button_69e9f4c986b7a:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69e9f4c986b7a .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69e9f4c986b7a .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69e9f4c986b7a .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69e9f4c986b7a:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69e9f4c986b7a:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69e9f4c986b7a vc_custom_1671065043378\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET MY FINANCING\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET MY FINANCING<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;0&#8243; equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1663637088815{padding-bottom: 100px !important;background-color: #fafafa !important;}&#8221; responsive_css=&#8221;margin_bottom_large:0px|padding_bottom_large:0px&#8221;][vc_column enable_content_animation=&#8221;yes&#8221; ca_init_scale_x=&#8221;1&#8243; ca_init_scale_y=&#8221;1&#8243; ca_init_opacity=&#8221;0&#8243; ca_an_scale_x=&#8221;1&#8243; ca_an_scale_y=&#8221;1&#8243; ca_an_opacity=&#8221;1&#8243; responsive_css=&#8221;padding_top_medium:90px|padding_right_medium:12%25|padding_bottom_medium:90px|padding_left_medium:12%25&#8243; css=&#8221;.vc_custom_1607346561233{padding-top: 60px !important;padding-right: 15px !important;padding-left: 15px !important;}&#8221; offset=&#8221;vc_col-md-6&#8243; ca_duration=&#8221;1800&#8243; ca_delay=&#8221;180&#8243; ca_init_translate_x=&#8221;0&#8243; ca_init_translate_y=&#8221;35&#8243;]<style>.ld_fancy_heading_69e9f4c987350 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}<\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c987350\">\n\t<h3 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h3><span style=\"font-weight: 400\">Repayment<\/span><\/h3>\n<p><\/h3><\/div><style>.ld_fancy_heading_69e9f4c987fa6 p {font-size:17px; } .ld_fancy_heading_69e9f4c987fa6 p {line-height:28px; } .ld_fancy_heading_69e9f4c987fa6 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c987fa6 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c987fa6 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c987fa6 p {font-size:17px; } .ld_fancy_heading_69e9f4c987fa6 p {line-height:28px; } .ld_fancy_heading_69e9f4c987fa6 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c987fa6 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c987fa6\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">You must repay the full amount withdrawn from your RRSPs within a maximum of 15 years. The first repayment occurs during the second year following the withdrawal. For example, if you withdraw funds in 2023, you start repayment in 2025. Each year, you must repay at least 1\/15 of the amount withdrawn. The Canada Revenue Agency will send you an annual statement to remind you of your repayment obligations.<\/span><\/p><\/div><style>.ld_fancy_heading_69e9f4c988c44 p {font-size:17px; } .ld_fancy_heading_69e9f4c988c44 p {line-height:28px; } .ld_fancy_heading_69e9f4c988c44 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c988c44 p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c988c44 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c988c44 p {font-size:17px; } .ld_fancy_heading_69e9f4c988c44 p {line-height:28px; } .ld_fancy_heading_69e9f4c988c44 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c988c44 p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c988c44\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">If you miss a payment, the unpaid amount will be added to your taxable income. If you wish, you can increase your payments to repay more quickly. You are free to manage your budget as you see fit.<\/span><span style=\"font-weight: 400\"><\/p>\n<p><\/span><\/p><\/div><style>.ld_fancy_heading_69e9f4c9893fb p {font-size:17px; } .ld_fancy_heading_69e9f4c9893fb p {margin-top:1.25em !important; margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c9893fb .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c9893fb p {font-size:17px; } .ld_fancy_heading_69e9f4c9893fb p {margin-top:1.25em !important; margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c9893fb\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h4><span style=\"font-weight: 400\">Eligible for the HBP? Your new property awaits!<\/span><\/h4>\n<p><\/p><\/div><style>.ld_button_69e9f4c989763.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69e9f4c989763.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69e9f4c989763.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69e9f4c989763{background-color:#b8952c;border-color:#b8952c;}.ld_button_69e9f4c989763:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69e9f4c989763 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69e9f4c989763 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69e9f4c989763 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69e9f4c989763:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69e9f4c989763:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69e9f4c989763 vc_custom_1671065057190\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET MY FINANCING\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET MY FINANCING<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][vc_column row_scale_bg_onhover=&#8221;yes&#8221; enable_overlay=&#8221;yes&#8221; column_top_onmobile=&#8221;yes&#8221; bg_position=&#8221;center center&#8221; align=&#8221;text-center&#8221; offset=&#8221;vc_col-md-6&#8243; css=&#8221;.vc_custom_1663636888182{padding-top: 30vw !important;padding-bottom: 30vw !important;background-image: url(https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/tom-rumble-7lvzopTxjOU-unsplash.jpg?id=1402) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; responsive_align=&#8221;text-center&#8221; responsive_css=&#8221;padding_top_medium:15vw|padding_bottom_medium:15vw|padding_top_small:25vw|padding_bottom_small:25vw&#8221; overlay_bg=&#8221;rgba(0, 0, 0, 0.1)&#8221;][\/vc_column][\/vc_row][vc_row gap=&#8221;30&#8243; enable_content_animation=&#8221;yes&#8221; animation_preset=&#8221;Fade In Up&#8221; responsive_css=&#8221;padding_top_medium:130px|padding_bottom_medium:130px&#8221; css=&#8221;.vc_custom_1661423030366{padding-top: 70px !important;padding-bottom: 70px !important;}&#8221;][vc_column offset=&#8221;vc_col-md-6&#8243; responsive_css=&#8221;margin_bottom_medium:0px|margin_bottom_small:160px&#8221; css=&#8221;.vc_custom_1621864061246{margin-bottom: 70px !important;}&#8221;]<div id=\"ld_images_group_container_69e9f4c989f6a\" class=\"lqd-imggrp-container ld_images_group_container_69e9f4c989f6a\"   >\n\t<div class=\"lqd-imggrp-inner\">\n\t\t<div id=\"ld_images_group_element_69e9f4c98a294\" class=\"lqd-imggrp-single ld_images_group_element_69e9f4c98a294\" data-shadow-style=\"4\" data-roundness=\"8\" data-inview=\"true\" data-animate-shadow=\"true\" data-hover3d=\"true\"  >\n\t\n\t<div class=\"lqd-imggrp-img-container\" data-stacking-factor=\"1\"   >\n\t\t\n\t\t\t\t\n\t\t\t\t<figure ><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"1439\" src=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/vincent-ledvina-znH6W7mpW9g-unsplash.jpg\" srcset=\"https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/vincent-ledvina-znH6W7mpW9g-unsplash-200x300.jpg 200w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/vincent-ledvina-znH6W7mpW9g-unsplash-683x1024.jpg 683w, https:\/\/lescourtiershypothecaires.ca\/wp-content\/uploads\/2022\/09\/vincent-ledvina-znH6W7mpW9g-unsplash.jpg 1920w\" class=\"\" alt=\"\" \/><\/figure>\t\t\t\t\t\t\t\t\n\t<\/div><!-- \/.lqd-imggrp-content -->\n<\/div><!-- \/.lqd-imggrp-single -->\n\t\n\t<\/div><!-- \/.lqd-imggrp-inner -->\n<\/div><!-- \/.lqd-imggrp-container -->[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style>.ld_fancy_heading_69e9f4c98b244 h6{background:rgb(237, 243, 247);}.ld_fancy_heading_69e9f4c98b244 h6 {font-size:13px; } .ld_fancy_heading_69e9f4c98b244 h6 {letter-spacing:0.05em; } .ld_fancy_heading_69e9f4c98b244 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_69e9f4c98b244 h6 {margin-bottom:1.75em !important;  } .ld_fancy_heading_69e9f4c98b244 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98b244 h6 {font-size:13px; } .ld_fancy_heading_69e9f4c98b244 h6 {letter-spacing:0.05em; } .ld_fancy_heading_69e9f4c98b244 h6 {padding-top:6px !important; padding-right:13px !important; padding-bottom:6px !important; padding-left:13px !important;  } .ld_fancy_heading_69e9f4c98b244 h6 {margin-bottom:1.75em !important;  } <\/style><div class=\"ld-fancy-heading ld-fh-has-fill text-uppercase ld_fancy_heading_69e9f4c98b244\">\n\t<h6 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  The benefits<\/h6><\/div><style>.ld_fancy_heading_69e9f4c98bbe9 h2 {margin-bottom:0.35em !important;  } .ld_fancy_heading_69e9f4c98bbe9 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98bbe9 h2 {margin-bottom:0.35em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98bbe9\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  What are the benefits of the Home Buyers&#8217; Plan?<br \/>\n<\/h2><\/div><style>.ld_fancy_heading_69e9f4c98c6be p {font-size:18px; } .ld_fancy_heading_69e9f4c98c6be p {margin-bottom:1.25em !important;  } .ld_fancy_heading_69e9f4c98c6be .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98c6be p {font-size:18px; } .ld_fancy_heading_69e9f4c98c6be p {margin-bottom:1.25em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98c6be\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  There are many advantages to using the HBP to buy your first home. First of many, the Home Buyers&#8217; Plan makes it easier to buy your first home if you have already contributed enough to your RRSPs.<\/p><\/div><style>.vc_accordion_69e9f4c98d97a .accordion-title{font-size:19px;font-weight:500;}<\/style><div class=\"accordion accordion-md accordion-title-underlined vc_accordion_69e9f4c98d97a\" id=\"vc_accordion_69e9f4c98d97a\"\n     role=\"tablist\" aria-multiselectable=\"true\">\n\n\t            <div class=\"accordion-item panel  active \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621849870257-a6c90671-f7f1b480-32bf\" data-id=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69e9f4c98d97a\" data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" href=\"#lqd-1621849870257-a6c90671-f7f1b480-32bf\" data-bs-target=\"#lqd-1621849870257-a6c90671-f7f1b480-32bf\"\n                           aria-expanded=\"true\" aria-controls=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tFinancial Support for Buying Your First Home\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621849870257-a6c90671-f7f1b480-32bf\" class=\"accordion-collapse collapse show\"\n                    data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621849870257-a6c90671-f7f1b480-32bf\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69e9f4c98cdb3 p {margin-bottom:0px !important;  } .ld_fancy_heading_69e9f4c98cdb3 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98cdb3 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98cdb3\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">The benefits of using the HBP for buying your first home are numerous. First, it facilitates the purchase by allowing you to use your savings accumulated in your RRSPs to make a larger down payment. A couple can thus inject up to $120,000 additional into their down payment, which can reduce your mortgage and, consequently, your monthly payments.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1621850133313-fcc50966-e093b480-32bf\" data-id=\"lqd-1621850133313-fcc50966-e093b480-32bf\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1621850133313-fcc50966-e093b480-32bf\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69e9f4c98d97a\" data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" href=\"#lqd-1621850133313-fcc50966-e093b480-32bf\" data-bs-target=\"#lqd-1621850133313-fcc50966-e093b480-32bf\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1621850133313-fcc50966-e093b480-32bf\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tCombining the HBP with Other Savings\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1621850133313-fcc50966-e093b480-32bf\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1621850133313-fcc50966-e093b480-32bf\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69e9f4c98d155 p {margin-bottom:0px !important;  } .ld_fancy_heading_69e9f4c98d155 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98d155 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98d155\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">If you combine the HBP with other savings, such as a First Home Savings Account (FHSA), you might exceed the minimum down payment required to avoid mandatory mortgage insurance from CMHC. This insurance is required if your down payment is less than 20% of the purchase price. Also, don&#8217;t forget to consider available tax credits for first-time homebuyers, which can enhance your budget.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1725396234079-bd7da15c-e331\" data-id=\"lqd-1725396234079-bd7da15c-e331\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1725396234079-bd7da15c-e331\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69e9f4c98d97a\" data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" href=\"#lqd-1725396234079-bd7da15c-e331\" data-bs-target=\"#lqd-1725396234079-bd7da15c-e331\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1725396234079-bd7da15c-e331\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tOptimize Your Financing File and Taxes\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1725396234079-bd7da15c-e331\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1725396234079-bd7da15c-e331\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69e9f4c98d4a0 p {margin-bottom:0px !important;  } .ld_fancy_heading_69e9f4c98d4a0 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98d4a0 p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98d4a0\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">In addition to helping you buy a home, the HBP can also optimize your financing file, reduce your taxes through RRSP deductions, and offer you a better return on your real estate investment. In short, the HBP is an excellent government program for first-time buyers who want to achieve their property dream in Canada while benefiting from advantageous tax options.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t            <div class=\"accordion-item panel  \">\n\n                <div class=\"accordion-heading\" role=\"tab\" id=\"heading_lqd-1725396286545-b1504315-7e8b\" data-id=\"lqd-1725396286545-b1504315-7e8b\">\n                    <h4 class=\"accordion-title\" data-controls=\"lqd-1725396286545-b1504315-7e8b\" tabindex=\"-1\">\n                        <a tabindex=\"0\" class=\"collapsed\" data-toggle=\"collapse\"  data-bs-toggle=\"collapse\"\n                           data-parent=\"#vc_accordion_69e9f4c98d97a\" data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" href=\"#lqd-1725396286545-b1504315-7e8b\" data-bs-target=\"#lqd-1725396286545-b1504315-7e8b\"\n                           aria-expanded=\"false\" aria-controls=\"lqd-1725396286545-b1504315-7e8b\">\n\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tGet Personalized Financial Advice with a Mortgage Broker\n\t\t\t\t\t\t\t                                <span class=\"accordion-expander\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-add\"><\/i>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<i class=\"lqd-icn-ess icon-ion-ios-remove\"><\/i>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n                        <\/a>\n\n                    <\/h4>\n                <\/div>\n\n                <div id=\"lqd-1725396286545-b1504315-7e8b\" class=\"accordion-collapse collapse\"\n                    data-bs-parent=\"#vc_accordion_69e9f4c98d97a\" role=\"tabpanel\" aria-labelledby=\"heading_lqd-1725396286545-b1504315-7e8b\">\n                    <div class=\"accordion-content\">\n\t\t\t\t\t\t<style>.ld_fancy_heading_69e9f4c98d77b p {margin-bottom:0px !important;  } .ld_fancy_heading_69e9f4c98d77b .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98d77b p {margin-bottom:0px !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98d77b\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"font-weight: 400\">Before <\/span><b>applying for the HBP<\/b><span style=\"font-weight: 400\">, it is essential to consult a mortgage broker to receive personalized financial advice tailored to your situation. While banks and other financial institutions can provide information on various savings products, such as RRSPs, FHSAs, and other RRSPs, a broker can guide you through different financing options while helping you <\/span><b>maximize tax benefits<\/b><span style=\"font-weight: 400\">.<\/span><\/p>\n<p><span style=\"font-weight: 400\"><br \/>\n<\/span><span style=\"font-weight: 400\">Scheduling a meeting with a broker is a key step in preparing your budget and ensuring the success of your new home purchase. Don&#8217;t wait any longer, contact a professional to discuss your real estate project today.<\/span><\/p><\/div>                    <\/div>\n                <\/div>\n            <\/div>\n\t\t\t<\/div><style>.ld_spacer_69e9f4c98dad5{height:32px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_69e9f4c98dad5\"><\/div><style>.ld_button_69e9f4c98dc50.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69e9f4c98dc50.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69e9f4c98dc50.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69e9f4c98dc50{background-color:#b8952c;border-color:#b8952c;}.ld_button_69e9f4c98dc50:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69e9f4c98dc50 .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69e9f4c98dc50 .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69e9f4c98dc50 .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69e9f4c98dc50:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69e9f4c98dc50:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69e9f4c98dc50 vc_custom_1671065067924\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET MY FINANCING\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET MY FINANCING<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column][\/vc_row][vc_row responsive_css=&#8221;margin_bottom_medium:100px|padding_top_medium:50px|padding_bottom_medium:75px&#8221; css=&#8221;.vc_custom_1662460228539{margin-bottom: 100px !important;padding-top: 35px !important;padding-bottom: 35px !important;}&#8221;][vc_column gradient_bg_color=&#8221;linear-gradient(134deg, rgb(0, 0, 0) 17.197452229299362%, rgb(81, 81, 81) 100%)&#8221; css=&#8221;.vc_custom_1660822563252{border-radius: 5px !important;}&#8221;][vc_row_inner equal_height=&#8221;yes&#8221; content_placement=&#8221;middle&#8221; gap=&#8221;0&#8243;][vc_column_inner width=&#8221;2\/3&#8243; responsive_css=&#8221;padding_right_large:50px|padding_left_large:50px|border_right_medium:1px|border_bottom_medium:0px|padding_top_medium:75px|padding_right_medium:30px|padding_bottom_medium:75px|padding_left_medium:55px&#8221; css=&#8221;.vc_custom_1660821589205{border-right-width: 0px !important;border-bottom-width: 1px !important;padding-top: 35px !important;padding-right: 15px !important;padding-bottom: 35px !important;padding-left: 15px !important;border-right-color: rgba(255,255,255,0.23) !important;border-right-style: solid !important;border-bottom-color: rgba(255,255,255,0.23) !important;border-bottom-style: solid !important;}&#8221;]<style>.ld_fancy_heading_69e9f4c98e32e h2{color:rgb(255, 255, 255);}.ld_fancy_heading_69e9f4c98e32e h2 {font-size:42px; } .ld_fancy_heading_69e9f4c98e32e h2 {line-height:50px; } .ld_fancy_heading_69e9f4c98e32e h2 {--element-line-height:50px; } .ld_fancy_heading_69e9f4c98e32e .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;}.ld_fancy_heading_69e9f4c98e32e h2 {font-size:42px; } .ld_fancy_heading_69e9f4c98e32e h2 {line-height:50px; } .ld_fancy_heading_69e9f4c98e32e h2 {--element-line-height:50px; } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98e32e\">\n\t<h2 class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  At the end<\/h2><\/div><style>.ld_fancy_heading_69e9f4c98eb43 p{color:rgba(255, 255, 255, 0.75);}.ld_fancy_heading_69e9f4c98eb43 p {font-size:17px; } .ld_fancy_heading_69e9f4c98eb43 p {line-height:28px; } .ld_fancy_heading_69e9f4c98eb43 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c98eb43 p {margin-bottom:1.85em !important;  } .ld_fancy_heading_69e9f4c98eb43 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c98eb43 p {font-size:17px; } .ld_fancy_heading_69e9f4c98eb43 p {line-height:28px; } .ld_fancy_heading_69e9f4c98eb43 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c98eb43 p {margin-bottom:1.85em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98eb43\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h4><span style=\"color: #ffffff\">Understand Contribution and Repayment Rules with Our Help<\/span><\/h4>\n<p><\/p><\/div><style>.ld_fancy_heading_69e9f4c98f2cc p{color:rgba(255, 255, 255, 0.75);}.ld_fancy_heading_69e9f4c98f2cc p {font-size:17px; } .ld_fancy_heading_69e9f4c98f2cc p {line-height:28px; } .ld_fancy_heading_69e9f4c98f2cc p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c98f2cc p {margin-bottom:1.85em !important;  } .ld_fancy_heading_69e9f4c98f2cc .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c98f2cc p {font-size:17px; } .ld_fancy_heading_69e9f4c98f2cc p {line-height:28px; } .ld_fancy_heading_69e9f4c98f2cc p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c98f2cc p {margin-bottom:1.85em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98f2cc\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <span style=\"color: #ffffff\">A mortgage broker can also help you understand in detail the rules regarding RRSP contributions, RRSP contribution limits, and HBP repayments. This will allow you to maximize tax benefits and avoid any additional tax penalties. With professional support, you can effectively plan your annual repayments considering your notice of assessment and taxable income.<\/span><br \/>\n<span style=\"font-weight: 400\"><br \/>\n<\/span><\/p><\/div><style>.ld_fancy_heading_69e9f4c98f850 p{color:rgba(255, 255, 255, 0.75);}.ld_fancy_heading_69e9f4c98f850 p {font-size:17px; } .ld_fancy_heading_69e9f4c98f850 p {line-height:28px; } .ld_fancy_heading_69e9f4c98f850 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c98f850 p {margin-bottom:1.85em !important;  } .ld_fancy_heading_69e9f4c98f850 .lqd-highlight-inner{height:0.275em!important;bottom:0px!important;background:#b8952c!important;}.ld_fancy_heading_69e9f4c98f850 p {font-size:17px; } .ld_fancy_heading_69e9f4c98f850 p {line-height:28px; } .ld_fancy_heading_69e9f4c98f850 p {--element-line-height:28px; } .ld_fancy_heading_69e9f4c98f850 p {margin-bottom:1.85em !important;  } <\/style><div class=\"ld-fancy-heading ld_fancy_heading_69e9f4c98f850\">\n\t<p class=\"ld-fh-element lqd-highlight-underline lqd-highlight-grow-left text-decoration-default\"   >  <\/p>\n<h4><span style=\"color: #ffffff\">Contact a mortgage broker from Team Distinction today!<\/span><\/h4>\n<p><\/p><\/div><style>.ld_spacer_69e9f4c98fa53{height:32px;}<\/style>\n<div class=\"ld-empty-space ld_spacer_69e9f4c98fa53\"><\/div><style>.ld_button_69e9f4c98fbca.btn-icon-solid .btn-icon{background:#b8952c;}.ld_button_69e9f4c98fbca.btn-icon-circle.btn-icon-ripple .btn-icon:before{border-color:#b8952c;}.ld_button_69e9f4c98fbca.btn-icon-solid:hover .btn-icon{background:rgb(0, 0, 0);}.ld_button_69e9f4c98fbca{background-color:#b8952c;border-color:#b8952c;}.ld_button_69e9f4c98fbca:hover{background-color:rgb(0, 0, 0);border-color:rgb(0, 0, 0);color:rgb(255, 255, 255);}.ld_button_69e9f4c98fbca .btn-gradient-bg-hover{background:-webkit-linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);background:linear-gradient(to right, rgb(0, 0, 0) 0%, rgb(0, 0, 0) 100%);}.ld_button_69e9f4c98fbca .btn-gradient-border defs stop:first-child{stop-color:#b8952c;}.ld_button_69e9f4c98fbca .btn-gradient-border defs stop:last-child{stop-color:#b8952c;}.ld_button_69e9f4c98fbca:hover .btn-gradient-border defs stop:first-child{stop-color:rgb(0, 0, 0);}.ld_button_69e9f4c98fbca:hover .btn-gradient-border defs stop:last-child{stop-color:rgb(0, 0, 0);}<\/style><a href=\"\/en\/mortgage-refinancing\/\" class=\"btn btn-solid text-uppercase btn-hover-txt-liquid-x btn-xsm circle border-thin btn-hover-swp btn-has-label ld_button_69e9f4c98fbca vc_custom_1671065088459\" >\n\t<span>\n\t\n\t\t\t\t\t<span class=\"btn-txt\" data-text=\"GET MY FINANCING\" data-split-text=\"true\"\n\t\t\t\t\t    data-split-options='{\"type\": \"chars, words\"}'>GET MY FINANCING<\/span>\n\t\t\n\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t<span class=\"btn-icon\"><i class=\"lqd-icn-ess icon-md-arrow-forward\"><\/i><\/span>\t\t\t<\/span>\n<\/a>\n[\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243; 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