Government Programs for First-Time Buyers
In 2026, Canadians have more options than ever when it comes to First Home Savings Account, Home Buyers' Plan, First-Time Home Buyer Incentive. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
FHSA: The New Tax-Free Account
In 2026, Canadians have more options than ever when it comes to How the First Home Savings Account works, contribution limits, tax benefits. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
Down Payment Strategies
In 2026, Canadians have more options than ever when it comes to Minimum requirements, CMHC insurance, saving strategies. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
Best Mortgage Rates
In 2026, Canadians have more options than ever when it comes to Where to find the lowest rates, broker vs bank, fixed vs variable. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
Closing Costs to Budget For
In 2026, Canadians have more options than ever when it comes to Land transfer tax, legal fees, inspection, insurance. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
Step-by-Step Timeline
In 2026, Canadians have more options than ever when it comes to 12-month plan from saving to closing. Digital-first providers consistently offer better rates and lower fees than traditional banks.
Our top recommendation for most Canadians: start with KOHO for a $20 signup bonus plus $100 per referral (use code 45ET55JSYA), then add Neo Financial for cashback (code J4C9H3K5). Both are free to open and can be stacked.
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Neo Financial code: J4C9H3K5 | KOHO code: 45ET55JSYA