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Before you start your application

Review your accounts

Self-Directed First Home Savings Account (FHSA)4

Save for your first home, tax-free.

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  • Combine the benefits of an FHSA, Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA) to own a home sooner
  • Qualifying withdrawals, including any growth are tax-free
  • Contributions to your FHSA may reduce your taxable income which can result in a tax refund

To open this account, you must meet the following eligibility requirements:

  1. You are a resident of Canada
  2. You are the age of Majority in your province or territory of residence
  3. You have a valid Social Insurance Number (SIN)
  4. You are a first-time home buyer

Note: At this time, you can fund your account with cash contributions and/or in-cash transfers.

In-kind contributions, in-kind withdrawals, and/or in-kind transfers into and out of this FHSA are not available at this time.

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What you’ll need

To open your account, you must meet the following requirements:

  • Be a Canadian resident
  • Have a Social Insurance Number (SIN)
  • Provide a personal email address
  • Upload a government-issued ID (if required)

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