Buy With Us

As our client, you can feel confident that you’re in good hands when working with our dedicated and passionate real estate associates. With our extensive knowledge and experience, we can provide you with the best advice to help you find the perfect home.

First-Time Home Buyer Incentive

The First-Time Home Buyer Incentive is a shared-equity mortgage with the Government of Canada, which offers 5% for a first-time buyer’s purchase of a resale (existing) home.

These are a few criteria to determine your eligibility for the First-Time Home Buyer Incentive:

Your total annual qualifying income doesn’t exceed $120,000 ($150,000 if the home you are purchasing is in Toronto, Vancouver, or Victoria)
Your total borrowing is no more than four times your qualifying income (4.5 times if the home you are purchasing is in Toronto, Vancouver or Victoria )
You or your partner are a first-time homebuyer
You are a Canadian citizen, permanent resident or non-permanent resident authorized to work in Canada
You meet the minimum down payment requirements with traditional funds (savings, withdrawal/collapse of a Registered Retirement Savings Plan (RRSP), or a non-repayable financial gift from a relative/immediate family member)

Complimentary BUYERS GUIDE

At Ryansellers.com Real Estate Group, our goal is to empower home buyers by providing them with the knowledge and advice required to make informed decisions. We sincerely believe that by offering transparent and dependable real estate information, we can make the home-buying journey one that’s less intimidating and one that’s more enjoyable and rewarding.