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Home Buyers Plan

Home Buyers Plan

How can I participate in the Home Buyers Plan?

To participate in the HBP, you must meet both the HBP eligibility and RRSP withdrawal conditions.

On this page:

Have I fulfilled HBP eligibility conditions?

  • You must be considered a first-time home buyer.
  • You must have a written agreement to buy or build a qualifying home for yourself, for a related person with a disability, or to help a related person with a disability buy or build a qualifying home (obtaining a pre-approved mortgage does not satisfy this condition).

Plan of Home Buyers

The Home Buyers’ Plan (HBP) is a program that allows you to withdraw up

to $25,000 in a calendar year from your registered retirement savings plans (RRSPs)

to buy or build a qualifying home for yourself or for a related person with a disability.

Learn how to buy second house with your RSSP plan even if you already own a house.

Learn more at

Reseve your seat for the live training and

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Notice on RC4135

The information on this page replaces the information in Guide RC4135, Home Buyers’ Plan, which has been eliminated.

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