Your Rights.
Your Home.
Your Future.
NAVIGATE HOME BUYING WITH CONFIDENCE
Free tools, calculators, guides, and AI-powered answers for first-time Canadian home buyers. Understand FHSA, RRSP, mortgages, closing costs, and your legal rights.
Start Here, First-Time Home Buyers
Get expert guidance on mortgages, government programs, and your legal rights as a Canadian home buyer.
Three Steps to Your Dream Home
Navigate home buying with knowledge, tools, and legal confidence.
Learn
Research the process, understand your rights, and explore financing options.
Calculate
Use our tools to plan your finances and estimate affordability.
Act
Make informed decisions with confidence and legal guidance.
Interactive Home Buying Tools
8 free calculators and planners to guide your home buying journey.
Mortgage Calculator
Calculate payments with Canadian semi-annual compounding, rate comparison, and amortization charts.
Try it freeAffordability Calculator
Determine how much home you can afford with GDS/TDS stress test analysis.
Try it freeFHSA & RRSP Planner
Optimize tax-advantaged savings programs for your down payment.
Try it freeLand Transfer Tax
Calculate LTT by province with first-time buyer rebates and provincial comparison.
Try it freeTools You Will Not Find on Realtor.ca, RateHub, CMHC, or WOWA
We built 4 advanced calculators that no other Canadian housing website offers. Plan smarter, save more, and make better decisions.
Explore All 8 ToolsMortgage Penalty Calculator
NEWEstimate your early termination penalty (IRD vs 3-month interest) and see if breaking your mortgage saves money.
Try it freeRent vs Buy Analyzer
NEW25-year side-by-side comparison with equity buildup, investment returns, and break-even year.
Try it freeClosing Cost Estimator
NEWKnow exactly how much cash you need on closing day. Every fee itemized from legal to moving costs.
Try it freeRefinance Calculator
NEWCompare current vs new mortgage, see net savings after penalty, and break-even timeline.
Try it freeFederal & Provincial Programs
Maximize your savings with government incentives and tax benefits for first-time buyers.
FHSA
Tax-deductible savings account with up to $40,000 lifetime contribution.
Home Buyers Plan (HBP)
Withdraw up to $60,000 from your RRSP tax-free for a down payment.
First-Time Buyers' Tax Credit
Non-refundable federal tax credit up to $750 federal + provincial amounts.
GST/HST Rebate
Claim up to 100% GST/HST rebate on new home purchases under $500k.
Complete Home Buying Resources
Guides, FAQs, legal rights cards, and professional directory for your journey.
Step-by-Step Guides
Detailed guides covering every stage of home buying.
Frequently Asked Questions
Answers to common questions from first-time buyers.
Rights Cards
Quick-reference cards about buyer rights and responsibilities.
Common Issues
Navigate mortgage denial, inspection problems, and disputes.
Real Scenarios
Learn how real buyers handled their home buying journey.
Professional Directory
Find mortgage brokers, real estate lawyers, and inspectors.
Questions About Buying Your First Home?
Our AI assistant answers your mortgage, FHSA, closing costs, and home buying questions instantly.
Trusted by First-Time Home Buyers
Free tools and resources to help Canadians buy with clarity and confidence.
FHSA & RRSP Guides
Clear explanations of tax-advantaged savings programs for first-time buyers.
Rights Cards
Know your legal protections at every stage of the home buying process.
Financial Tools
Mortgage calculators, land transfer tax estimators, and affordability planners.
Support Free Home Buying Information
MyHousingRights.ca is a free resource for all Canadian first-time home buyers. If this platform has helped you, consider supporting our mission.
Trusted by first-time home buyers across Canada