Mortgage Qualification•19 min read
Who Counts as a First-Time Home Buyer in Canada and Ontario? The Definition Depends on the Program
There is no single first-time home buyer definition in Canada. Compare FHSA, HBP, CMHC 30-year insured mortgages, Ontario land-transfer-tax refunds and the new GST/HST rebates—including spouse and foreign-property rules.
October 1, 2026Read