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The FHSA Playbook
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The FHSA Playbook

The First Home Savings Account, maximized

The FHSA is the most powerful down-payment tool Canada has ever launched — tax-deductible going in, tax-free coming out. This guide shows the contribution rules, the FHSA + RRSP HBP stack, and how Ontario first-time buyers turn it into a larger, faster down payment.

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Inside the guide

7 sections
  1. 1What the FHSA is (and isn't)
  2. 2Contribution + carry-forward rules
  3. 3FHSA vs. RRSP HBP vs. TFSA
  4. 4The stack: FHSA + HBP for couples
  5. 5Timing your withdrawal
  6. 6Common FHSA mistakes
  7. 7Ontario first-time buyer checklist
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