Buying a home

Buying a home may be the biggest purchase you make in your lifetime.

The Government of Canada offers reliable home buying information and tools to help you make sound choices, as well as programs that may help make the process easier and more affordable.

On this page

Home buying tools

Homebuying Step by Step: Everything you need to buy a home in Canada
A guide with the information you need for every step of the homebuying process.

Buying an energy-efficient new home
Choosing and energy-efficient home builder and what to look for in an energy-efficient new home.

Condominium buying tools

Condominium Buyer's Guide
What you need to know about buying a condominium.

Home mortgage tools

Choosing a mortgage that is right for you
Choosing a mortgage that best suits your needs and budget.

How much you need for a down payment
Calculate the minimum down payment you’ll need based on the purchase price of the home you'd like to buy.

Mortgage Qualifier Tool
Determine if you’re likely to qualify for a mortgage based on your income and expenses.

Mortgage Deferrals
Learn how you may qualify for a mortgage deferral in times of economic uncertainty.

Home buying programs

GST/HST New Housing Rebate
Partial GST/HST rebate on the price or cost of building a qualifying, new sustainable house.

Home Buyers' Plan (HBP)
Eligible individuals buying their first home can make tax-free withdrawals from their registered retirement savings plans (RRSPs) to buy a qualifying home.

Home insurance

Home insurance
Find out how property insurance may cover damage to, or loss of, your home. It may also protect against damage, theft or loss of personal belongings in your home or property.

Trusted consumer information

Published by the Consumer Measures Committee, a working group of federal, provincial and territorial governments, that helps educate and inform Canadian consumers.