First Home Planning
2 guides on first home planning for Canadians — newest first.
Young Couple in Ontario with $16K FHSA Room: Stacking FHSA + HBP for a First Home Down Payment in 2026
A dual-income couple in their late 20s stacking FHSA contributions at $8K/year each with a combined $60K HBP withdrawal to assemble $140K+ in tax-advantaged down payment funds. Full order of operations and refund math...
11 min readNewcomer in BC with $24K Saved After 3 Years: FHSA Carry-Forward Room and First Home Timeline in 2026
You landed in 2023, opened your FHSA right away, but under-contributed in year one. Now you have $24K saved and want to know exactly how the carry-forward provision works, how fast you can reach the $40K cap, and...
11 min read