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    Perry Ryno

    Sales Representative

    RE/MAX Hallmark Realty Ltd., Brokerage

    Your urban Toronto specialist.

    Buying your first home is huge, right? It may be your largest financial investment ever AND you want to be happy living there.  So let me introduce you to the First-Time Home Buyers’ Tax Credit (HBTC). It helps to ease the burden a bit. 

    The HBTC is a government program geared towards buyers like you. The objective is to reduce costs associated with purchasing a home. As a first time buyer, you are eligible for a 15% income tax credit on a maximum of $5,000 of your home purchase costs such as legal fees and land transfer taxes. It can be claimed for the taxation year that you acquired the house.

    You are considered to be a first time buyer if neither you nor your spouse or common-law partner has owned and lived in another home in the year of the purchase or in any of the four previous years.  

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