{"id":152,"date":"2026-04-28T12:49:58","date_gmt":"2026-04-28T12:49:58","guid":{"rendered":"https:\/\/donemortgage.ca\/blogs\/?p=152"},"modified":"2026-06-09T20:36:01","modified_gmt":"2026-06-09T20:36:01","slug":"first-time-home-buyer-incentive","status":"publish","type":"post","link":"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-incentive\/","title":{"rendered":"First-Time Home Buyer Incentive in Canada: Is It Actually Worth It?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>First Time Home Buyer Incentive<\/strong> is a government shared-equity program designed to help eligible Canadians reduce their mortgage payments. While it can improve affordability, many buyers underestimate the long-term cost of giving up a portion of their future home appreciation.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#first-time-home-buyer-incentive-in-canada\">First-Time Home Buyer Incentive in Canada:<\/a><ul><\/ul><\/li><li><a href=\"#how-much-the-government-really-gives-example\">How Much the Government Really Gives (Example)<\/a><\/li><li><a href=\"#real-example-what-you-repay-after-5-years\">Real Example: What You Repay After 5 Years<\/a><\/li><li><a href=\"#how-repayment-actually-works\">How Repayment Actually Works<\/a><\/li><li><a href=\"#hidden-downsides-nobody-explains\">Hidden Downsides Nobody Explains<\/a><ul><\/ul><\/li><li><a href=\"#how-this-affects-your-equity-future-refinancing\">How This Affects Your Equity &amp; Future Refinancing<\/a><\/li><li><a href=\"#when-it-actually-makes-sense\">When It Actually Makes Sense<\/a><\/li><li><a href=\"#when-it-doesnt-make-sense\">When It Doesn\u2019t Make Sense<\/a><\/li><li><a href=\"#faq\">FAQ<\/a><ul><\/ul><\/li><li><a href=\"#when-you-should-speak-to-a-mortgage-expert\">When You Should Speak to a Mortgage Expert<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"first-time-home-buyer-incentive-in-canada\" class=\"wp-block-heading\">First-Time Home Buyer Incentive in Canada:<\/h2>\n\n\n\n<h3 id=\"what-the-first-time-home-buyer-incentive-actually-is\" class=\"wp-block-heading\">What the First-Time Home Buyer Incentive Actually Is<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>First-Time Home Buyer Incentive (FTHBI)<\/strong> is not free money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s a <strong>shared equity deal with the government<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Government gives you:\n<ul class=\"wp-block-list\">\n<li><strong>5%<\/strong> for resale homes<\/li>\n\n\n\n<li><strong>5% or 10%<\/strong> for new builds<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In return:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They <strong>own that % of your home\u2019s value<\/strong><\/li>\n\n\n\n<li>When you sell \u2192 you pay back <strong>that same % of the new value<\/strong>, not what you borrowed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This is where most people get fooled.<\/p>\n\n\n\n<h2 id=\"how-much-the-government-really-gives-example\" class=\"wp-block-heading\">How Much the Government Really Gives (Example)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s say:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Purchase Price: <strong>$600,000<\/strong><\/li>\n\n\n\n<li>You take <strong>5% incentive = $30,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Sounds helpful? Yes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But here\u2019s the real math:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your mortgage reduces \u2192 slightly lower monthly payment<\/li>\n\n\n\n<li>BUT you\u2019ve just given away <strong>5% ownership of your property<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 id=\"real-example-what-you-repay-after-5-years\" class=\"wp-block-heading\">Real Example: What You Repay After 5 Years<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s not pretend. Prices don\u2019t stay flat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Scenario:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buy at: $600,000<\/li>\n\n\n\n<li>Incentive: $30,000 (5%)<\/li>\n\n\n\n<li>After 5 years: property grows to <strong>$750,000<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Now repayment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You owe <strong>5% of $750,000 = $37,500<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You borrowed $30K \u2192 you repay $37.5K<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s not cheap money. That\u2019s <strong>equity dilution<\/strong>.<\/p>\n\n\n\n<h2 id=\"how-repayment-actually-works\" class=\"wp-block-heading\">How Repayment Actually Works<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You repay when:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You sell the property<\/li>\n\n\n\n<li>You refinance<\/li>\n\n\n\n<li>Or after <strong>25 years (max term)<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You <strong>can repay early anytime<\/strong><\/li>\n\n\n\n<li>The amount is always tied to <strong>market value<\/strong>, not original loan<\/li>\n<\/ul>\n\n\n\n<h2 id=\"hidden-downsides-nobody-explains\" class=\"wp-block-heading\">Hidden Downsides Nobody Explains<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s cut the bullshit. Here\u2019s what brokers don\u2019t highlight clearly:<\/p>\n\n\n\n<h3 id=\"1-youre-giving-away-future-gains\" class=\"wp-block-heading\">1. You\u2019re Giving Away Future Gains<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your property grows \u2192 government benefits with you<\/p>\n\n\n\n<h3 id=\"2-it-can-complicate-refinancing\" class=\"wp-block-heading\">2. It Can Complicate Refinancing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lenders don\u2019t love shared equity structures<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>More paperwork<\/li>\n\n\n\n<li>Extra approvals<\/li>\n\n\n\n<li>Slower deals<\/li>\n<\/ul>\n\n\n\n<h3 id=\"3-limits-your-buying-power\" class=\"wp-block-heading\">3. Limits Your Buying Power<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">There are <strong>income + price caps<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meaning:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re restricted in what you can buy<\/li>\n\n\n\n<li>Not ideal in expensive markets like Ontario<\/li>\n<\/ul>\n\n\n\n<h3 id=\"4-psychological-trap\" class=\"wp-block-heading\">4. Psychological Trap<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">People think:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201cI\u2019m getting help\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Reality:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">You\u2019re trading long-term wealth for short-term affordability<\/p>\n<\/blockquote>\n\n\n\n<h2 id=\"how-this-affects-your-equity-future-refinancing\" class=\"wp-block-heading\">How This Affects Your Equity &amp; Future Refinancing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is where smart buyers think differently.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Without FTHBI:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You own 100% of appreciation<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">With FTHBI:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You share gains \u2192 lower net equity<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">That affects:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Refinancing options<\/li>\n\n\n\n<li>Access to HELOC<\/li>\n\n\n\n<li>Investment leverage later<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 If your plan is to <strong>upgrade, invest, or refinance<\/strong>, this matters a lot.<\/p>\n\n\n\n<h2 id=\"when-it-actually-makes-sense\" class=\"wp-block-heading\">When It Actually Makes Sense<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is not useless. It works in <strong>specific situations<\/strong>:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 You\u2019re cash-constrained<br>\u2714 You need lower monthly payments to qualify<br>\u2714 You plan to <strong>sell short-term<\/strong> (less appreciation impact)<br>\u2714 You\u2019re buying in a <strong>slow-growth market<\/strong><\/p>\n\n\n\n<h2 id=\"when-it-doesnt-make-sense\" class=\"wp-block-heading\">When It Doesn\u2019t Make Sense<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Be honest with yourself:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You expect strong price growth (Ontario\/GTA)<br>You want to build equity fast<br>You plan to refinance or invest later<br>You can already afford without it<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In these cases, you\u2019re giving away upside for no real reason.<\/p>\n\n\n\n<h2 id=\"faq\" class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<h3 id=\"does-it-reduce-my-mortgage\" class=\"wp-block-heading\">Does it reduce my mortgage?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes \u2014 slightly.<br>But not enough to justify giving up equity in many cases.<\/p>\n\n\n\n<h3 id=\"does-it-affect-resale\" class=\"wp-block-heading\">Does it affect resale?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You must repay based on <strong>market value<\/strong><\/li>\n\n\n\n<li>Cuts into your profit<\/li>\n<\/ul>\n\n\n\n<h3 id=\"is-it-free-money\" class=\"wp-block-heading\">Is it free money?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No.<br>It\u2019s a <strong>shared investment<\/strong>, not a grant.<\/p>\n\n\n\n<h3 id=\"can-i-buy-it-out-early\" class=\"wp-block-heading\">Can I buy it out early?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes.<br>But you repay based on <strong>current market value<\/strong>, not original amount.<\/p>\n\n\n\n<h2 id=\"when-you-should-speak-to-a-mortgage-expert\" class=\"wp-block-heading\">When You Should Speak to a Mortgage Expert<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Don\u2019t guess here. This is where people screw up.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should get advice if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re close to affordability limits<\/li>\n\n\n\n<li>You\u2019re deciding between <strong>higher down payment vs incentive<\/strong><\/li>\n\n\n\n<li>You want to understand long-term impact on wealth<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A proper mortgage strategy can save you way more than this incentive.<\/p>\n\n\n\n<h1 id=\"final-verdict-no-sugarcoating\" class=\"wp-block-heading\">Final Verdict (No Sugarcoating)<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">FTHBI is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Helpful for entry<\/strong><\/li>\n\n\n\n<li>But <strong>expensive long-term in rising markets<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re buying in Ontario and expect appreciation\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019re probably better off <strong>keeping full ownership<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"links\" class=\"wp-block-heading\">Links<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a target=\"_blank\" rel=\"noreferrer noopener\">CMHC First-Time Home Buyer Incentive Information<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/services\/buying-home.html?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noreferrer noopener\">Government of Canada Home Buying Programs<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/first-time-home-buyer-incentive-in-canada-is-it-actually-worth-it\/\">First-Time Home Buyer Mortgage<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/rrsp-first-time-home-buyer-rules-canada\/\">FHSA Guide RRSP vs TFSA<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/donemortgage.ca\/blogs\/mortgage-broker-toronto\/\">Mortgage Broker Toronto<\/a><\/li>\n<\/ul>\n\n\n        <div class=\"rttpg-block-postgrid rttpg-block-wrapper rttpg-block-2138fe tpg-filter-type-dropdown meta-visibility-show section-title-style-style1 img_hover_animation_default title-default title_position_default title_hover_border_default meta_position_default tpg-is-author-icon-default author-image-visibility-icon tpg-category-position-default readmore-btn-default-style grid-hover-overlay-type-always grid-hover-overlay-height-default hover-overlay-height-default tpg-title-border-default filter-nex-prev-btn-visible tpg-cat-style1 slider-scroll-hide act-label-style-inline\">\n            <div class=\"rt-container-fluid rt-tpg-container tpg-el-main-wrapper tpg-gutenberg clearfix grid-layout1-main\"\n                 id=\"rt-tpg-container-1182245936\"\n                 data-layout=\"grid-layout1\"\n                 data-grid-style=\"tpg-full-height\" data-sc-id=\"elementor\"\n                 data-el-settings=''\n                 data-el-query=''\n                 data-el-path=''>\n\t\t\t\t                <div class='tpg-header-wrapper '>\n\t\t\t\t\t\n        <div class=\"tpg-widget-heading-wrapper rt-clear heading-style1 \">\n            <span class=\"tpg-widget-heading-line line-left\"><\/span>\n\t\t\t<h2 class='tpg-widget-heading'>\n\t\t\t            <a href=\"#\"  >\n\t\t\t\t\n\t\t\t\t                    <span>\n\t\t\t\t\t\tBlog&#039;s\t\t\t\t\t<\/span>\n\t\t\t\t\t\n\t\t\t\t            <\/a>\n\n\t\t\t\t\t<\/h2>            <span class=\"tpg-widget-heading-line line-right\"><\/span>\n\n\t\t\t\n        <\/div>\n\n\t\t\n\t\t                <\/div>\n\n                <div class=\"rt-row rt-content-loader gutenberg-inner grid-layout1 grid-behaviour tpg-full-height grid_layout_wrapper\">\n\t\t\t\t\t\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-259 post type-post status-publish format-standard has-post-thumbnail hentry category-mortgage\"\t\tdata-id=\"259\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"259\" href=\"https:\/\/donemortgage.ca\/blogs\/housing-market-in-ontario-canada\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/06\/housing-market-in-ontario-canada.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"housing market in ontario canada\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"259\" href=\"https:\/\/donemortgage.ca\/blogs\/housing-market-in-ontario-canada\/\" class=\"tpg-post-link\" target=\"_self\">Housing Market in Ontario Canada: What Buyers Should Expect in 2026<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"mortgage\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/mortgage\/\">Mortgage<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/06\/19\/\">\n\t\t\t\t\tJune 19, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tQuick answer: The housing market in Ontario Canada shifted into a buyer&#8217;s market by mid-2026&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"259\" href=\"https:\/\/donemortgage.ca\/blogs\/housing-market-in-ontario-canada\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-256 post type-post status-publish format-standard has-post-thumbnail hentry category-mortgage\"\t\tdata-id=\"256\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"256\" href=\"https:\/\/donemortgage.ca\/blogs\/interest-rate-cut-canada\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/06\/interest-rate-cut-canada.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"interest rate cut canada\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"256\" href=\"https:\/\/donemortgage.ca\/blogs\/interest-rate-cut-canada\/\" class=\"tpg-post-link\" target=\"_self\">Interest Rate Cut Canada (2026): Should You Wait or Buy Now?<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"mortgage\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/mortgage\/\">Mortgage<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/06\/19\/\">\n\t\t\t\t\tJune 19, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tInterest Rate Cut Canada discussions have become one of the biggest topics among home buyers. Many&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"256\" href=\"https:\/\/donemortgage.ca\/blogs\/interest-rate-cut-canada\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n<div class=\"rt-col-md-4 rt-col-sm-6 rt-col-xs-12 default rt-grid-item post-251 post type-post status-publish format-standard has-post-thumbnail hentry category-mortgage\"\t\tdata-id=\"251\">\n\t<div class=\"rt-holder tpg-post-holder \">\n\t\t<div class=\"rt-detail rt-el-content-wrapper\">\n\t\t\t\t\t\t\t<div class=\"rt-img-holder tpg-el-image-wrap has-thumbnail\">\n\t\t\t\t\t<a data-id=\"251\" href=\"https:\/\/donemortgage.ca\/blogs\/mortgage-broker-oakville\/\" class=\"tpg-post-link\" target=\"_self\">                        <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/06\/Mortgage-Broker-in-Oakville.webp\"\n                             class=\"rt-img-responsive\"\n                             width=\"768\"\n                             height=\"512\"\n                             alt=\"Mortgage Broker in Oakville\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t<\/a>\n\t\t        <div class=\"overlay grid-hover-content\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"entry-title-wrapper\"><h3 class=\"entry-title\"><a data-id=\"251\" href=\"https:\/\/donemortgage.ca\/blogs\/mortgage-broker-oakville\/\" class=\"tpg-post-link\" target=\"_self\">Mortgage Broker in Oakville: Why the Lowest Rate Isn&#8217;t Always the Best Mortgage<\/a><\/h3><\/div>\n\t\t\t\n\t\t\t\t<div class=\"post-meta-tags rt-el-post-meta\">\n\t\t\t\t\t            <span class=\"author \">\n\n\t\t\t\t<i class=\"fa fa-user \"><\/i><span class=\"author-prefix\">By<\/span><a href=\"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/\">Swati Malik<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"categories-links\">\n\t\t\t\t<i class=\"fas fa-folder-open \"><\/i><a class=\"mortgage\" href=\"https:\/\/donemortgage.ca\/blogs\/category\/mortgage\/\">Mortgage<\/a>\t\t\t<\/span>\n\t\t\t            <span class=\"date\">\n\t\t\t\t<i class=\"far fa-calendar-alt \"><\/i>\t\t\t\t                    <a href=\"https:\/\/donemortgage.ca\/blogs\/2026\/06\/09\/\">\n\t\t\t\t\tJune 9, 2026\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t<div class=\"tpg-excerpt tpg-el-excerpt\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"tpg-excerpt-inner\">\n\t\t\t\t\t\t\tMortgage Broker Oakville services are becoming increasingly important as homeowners look beyond&#8230;\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t        <div class=\"post-footer\">\n            <div class=\"post-footer\">\n                <div class=\"read-more\">\n\t\t\t\t\t<a data-id=\"251\" href=\"https:\/\/donemortgage.ca\/blogs\/mortgage-broker-oakville\/\" class=\"tpg-post-link\" target=\"_self\">Read More<\/a>                <\/div>\n            <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/div>                <\/div>\n\n\t\t\t\t\n            <\/div>\n        <\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>First Time Home Buyer Incentive is a government shared-equity program designed to help eligible Canadians reduce their mortgage payments. While it can improve affordability, many buyers underestimate the long-term cost of giving up a portion of their future home appreciation. First-Time Home Buyer Incentive in Canada: What the First-Time Home Buyer Incentive Actually Is The [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-152","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"rttpg_featured_image_url":{"full":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",1536,1024,false],"landscape":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",1536,1024,false],"portraits":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",1536,1024,false],"thumbnail":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",150,100,false],"medium":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",300,200,false],"large":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",1024,683,false],"1536x1536":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",1536,1024,false],"2048x2048":["https:\/\/donemortgage.ca\/blogs\/wp-content\/uploads\/2026\/04\/First-Time-Home-Buyer-Incentive.webp",1536,1024,false]},"rttpg_author":{"display_name":"Swati Malik","author_link":"https:\/\/donemortgage.ca\/blogs\/author\/donemortgage_blogs\/"},"rttpg_comment":2,"rttpg_category":"<a href=\"https:\/\/donemortgage.ca\/blogs\/category\/mortgage\/\" rel=\"category tag\">Mortgage<\/a>","rttpg_excerpt":"First Time Home Buyer Incentive is a government shared-equity program designed to help eligible Canadians reduce their mortgage payments. While it can improve affordability, many buyers underestimate the long-term cost of giving up a portion of their future home appreciation. First-Time Home Buyer Incentive in Canada: What the First-Time Home Buyer Incentive Actually Is The&hellip;","_links":{"self":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/152","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/comments?post=152"}],"version-history":[{"count":4,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/152\/revisions"}],"predecessor-version":[{"id":238,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/posts\/152\/revisions\/238"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/media\/237"}],"wp:attachment":[{"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/media?parent=152"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/categories?post=152"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/donemortgage.ca\/blogs\/wp-json\/wp\/v2\/tags?post=152"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}