Home Buyers’ Plan (HBP) What it is: Allows you to withdraw up to $35,000 (now $60,000 for couples) from your RRSP tax‑free to use as a down payment. You repay it over 15 years at 1/15 per year. ✅ Pros: No taxes if repayments are on time. Can cover a large chunk of your down payment. Funds can be used flexibly for eligible home purchases. ⚠️ Cons: Must repay, missed annual instalments count as income. Drains retirement... [read more]

Are Real Estate Prices Dropping in Niagara Falls? Here’s the Real Story Let’s clear the air: yes, there’s been a slight dip in home prices across Niagara Falls, but it’s not the doom-and-gloom scenario some might suggest. In fact, for many, it’s a golden opportunity. As of April 2025, the benchmark home price in Niagara Region sits at $642,500, down 2.9% year-over-year . However, the average home price across the region climbed to $707,729, reflecting a... [read more]