Get Your Free First-Time Buyer Plan

Name
Phone
Budget
Target Area(s)
Timeline (ASAP / 3–6 months / 6–12 months)

The 90-Day Playbook

Step 1 — Open & Fund Your FHSA

Why it works:

• Tax-deductible contributions
• Tax-free withdrawals for your first home


Action:
Open your FHSA and contribute as much as possible (within limits).

 

Impact:
You may receive a tax refund, helping you grow your savings faster.

 
 

Step 2 — Use RRSP + Home Buyers’ Plan (HBP)

Step 3 — Stack Credits & Incentives

Step 4 — Execute a Smart Offer Strategy

How $10K Becomes ~$30K (Example)

Result:

What This Looks Like Across the GTA

  • Halton Hills & Georgetown

    ● Townhomes, stacked towns, condos
    ● Strong resale negotiation opportunities

  • Milton & Burlington

    ● Milton: newer inventory timing
    ● Burlington: value in older units + credits

  • Oakville & Mississauga

    ● Higher price points
    ● Strategy depends heavily on FHSA + HBP

  • Hamilton & Toronto

    ● Hamilton: more flexibility + credits
    ● Toronto: condo-focused + negotiation windows

Why Buying Beats Renting

✔ Build equity with every payment
✔ Lock in more stable housing costs
✔ Access tax-advantaged savings tools
✔ Negotiate real dollars back

Common Mistakes to Avoid

No paper trail for funds
→ We ensure everything is lender-ready
 
Relying only on cash-back mortgages
→ We evaluate the true cost
 
Skipping pre-approval
→ We secure a fully reviewed approval

FAQs

How fast can this work?
👉 Typically 60–90 days (depending on your situation)
 
Can parents help?
👉 Yes—with proper documentation
 
Pre-construction vs resale?
👉 Depends on your timeline and cash flow
 
What about interest rates?
👉 We structure your mortgage with flexibility
 
 

Ready to Build Your Plan?

Get a clear, step-by-step roadmap customized to you.

 

You’ll receive:
✔ Your 90-day strategy
✔ Target neighborhoods
✔ Real negotiation insights

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REVIEWS

Eugene Valaitis

Your search for a realtor ends here. I have lived in Toronto, Hong Kong, Dallas, Dubai, southern California, Vancouver and now Burlington, Ontario. I have dealt with numerous realtors world-wide, but none with the level of service, professionalism and a commitment to excellence like Ana and Bjanka. When you call Ana with a question or concern about your potential new property it is answered or dealt with within minutes unlike other companies where it may take days and multiple calls. They make the entire process relaxing and reassuring. I recognized immediately I was in experienced, professional and knowledgeable good hands. On a personal level, Ana and Bjanka are friendly and while professional, just plain fun to be associated with. I highly recommend Ana and her team. They get the job done. Period. Look no further.

Catherine Czarnecki

I can’t express how wonderful it has been to work with Ana Bastas and her associate Madeline Hayes. What could have been a truly stressful experience of finding a new home over the holidays they made easy and comfortable. They were a joy to work with and helped us navigate all the ins and outs of finding the perfect home for us. Ana has been the best advisor and advocate throughout. I would highly recommend Ana Bastas Realty to anyone looking for an amazing realtor. She is simply the best!

Arlene Maguire

From the start Ana Bastas was a "realtor angel" which is very rare these days. Prompt, Professional, attention to detail, listening to exactly what you wish for in your new home 🏡. Constantly following up with us to ensure we were happy. Thank you Ana and team ❤️ we wouldn’t hesitate to recommend your services. Wishing you the Best for 2025 ☘️

OUR AGENTS

Ana Bastas
Ana Bastas

Sales Representative, Team Leader ABR, SRS, SRES, RENE