$0 HST. 0% Down. 0 Excuses. — The First-Time Home Buyer Event

Still renting? Buy with 0% down, pay $0 HST on new homes & see options under $500K + rent-to-own. Free event with mortgage agent & lawyer.
About this Event

Still paying your landlord's mortgage? This is the year that changes.

For a limited time, first-time buyers in Ontario can save up to $130,000 — the government is rebating the FULL 13% HST on qualifying new homes up to $1M. But only on agreements signed before March 31, 2027. Miss the window, and it's gone.

Join us for a free, no-pressure evening where we break down — in plain English — exactly how renters are becoming homeowners in 2026, even on a single income, even without a huge down payment.

What you'll walk away knowing:

• Homes under $400K — yes, they exist. We'll show you real, current options in and around our area.
• How to buy with just 5% down — that's as little as $20,000 on a $400K home (and how the FHSA + RRSP Home Buyers' Plan can help you get there tax-free).
• The $0 HST opportunity — how the new federal + Ontario rebates work, who qualifies, and how to lock it in before the deadline.
• Every rebate you're entitled to — land transfer tax rebate (up to $4,000), the $1,500 first-time buyer tax credit, 30-year amortizations that lower your monthly payment.
• Rent-to-Own Program — not mortgage-ready yet? Learn how our rent-to-own path lets you move in now, build your down payment while you live there, and buy when you're ready.
• Your real monthly cost — a side-by-side of what you pay in rent vs. what you'd pay to OWN. The numbers surprise everyone.

Ask the experts — live

• Licensed Mortgage Agent — get pre-qualification questions answered on the spot: credit, income, 5% down, 30-year amortization, and what lenders actually look for.
• Real Estate Lawyer — closing costs, HST rebate paperwork, what's actually in an offer, and how to protect yourself.
• Your Local Realtor Team — what's really available under $400K, $500K, and beyond right now.

Who should attend

Renters, first-time buyers, newcomers to Canada, young couples and families, and anyone who thinks they "can't afford to buy yet." If you've ever said "maybe next year" — this event is for you.

Why now?

The $0 HST window closes March 31, 2027. Combined with 5% down payments, 30-year amortizations, and tax-free FHSA savings, 2026 is the most buyer-friendly year for first-timers in over a decade. Come find out what it means for YOU — with zero pressure and zero cost.

Seats are limited. Reserve your free spot now.

Bonus: Every attendee receives a FREE Buyer Readiness Assessment — a 1-on-1 session to map your personal path from renting to owning.

Agenda

🕑: 06:30 PM - 07:00 PM
Doors Open + Registration
🕑: 07:00 PM - 07:30 PM
Welcome: Why 2026 Is the Year
Rent vs. Own: The Real Math
🕑: 07:30 PM - 08:00 PM
The Money Part (Mortgage Agent)
🕑: 08:00 PM - 08:30 PM
Not Ready Yet? The Rent-to-Own Path
🕑: 08:30 PM - 09:00 PM
Open Q&A + 1-on-1 Sign-Ups