Found Spaces Realty Group

First home · 2026

$200,000 most couples don't know they can use.

You might already have the down payment. It is sitting in accounts you were told were for something else, and the rules quietly changed in your favour. We put all of it on two pages, in plain words. Tell us where to send it.

Send me the money map4.9
370+ Google reviews

Where should we send the map?

Two pages. Every dollar a first-time buyer can use in 2026, and the three rules that changed the payment. A name and a mobile or email is all it takes.

When?
Talked to a lender? (optional)

We follow up by text or email, usually within the hour. No spam, ever.

  • Two accounts most couples already have can now put up to $200,000 toward a first home, tax-free. Nobody sent a letter about it.
  • The rules quietly changed in your favour: a longer mortgage means a smaller monthly payment, often the whole gap between "not yet" and "now".
  • Parents can help without writing a cheque. There are three ways, and most families never hear about two of them.
  • It is two pages. You will read it in the time it takes to finish a coffee, and you will know your number.

What the map gives you

  • Where the money sits: every source a first-time buyer can use this year, in plain words.
  • The rules that changed the payment, and what each one means for you.
  • Three ways parents help, no cheque required.
  • A free 15-minute review with one of our mortgage partners, if you want it. No pressure, no forms.
Send me the money map

The map does not tell you to buy. It tells you what you can actually use, right now, so the decision is a real one instead of a feeling. Most people who read it find out they are closer than they thought.

General information from public sources (Government of Canada, CMHC, Bank of Canada, Ratehub), current to September 2026. Not mortgage, legal or tax advice. Programs change; confirm the current rules with a licensed mortgage professional. Sandy MacKay, REALTOR®. Found Spaces Realty Group, Real Broker Ontario Ltd., Brokerage.

Frequently asked

Questions people ask us

No. It's a two-page map of public programs, written in plain words, with the sources. If you want a hand with your own numbers after reading it, our mortgage partners do a free 15-minute review and our concierge sets it up by text.

No. Most people who ask for the map have not talked to a lender yet. The map is how you find out what you can actually use before anyone runs your numbers.

The map opens right away and lands in your inbox or by text. Our concierge checks in within the hour to see which parts apply to you, and if you'd like a real person to run your figures, that's the free review with our mortgage partners.

Burlington, Hamilton and Niagara, and everything in between. The programs on the map are federal and Ontario-wide.

First home · 2026

Two pages. Every dollar. Free.

The map is the first thing we send every first-time buyer who works with us. It is yours whether or not you ever call.

Send me the money map