Welcome back to Homeowner AF: The Canadian First Time Homebuying Podcast, with your host Brianna Goslin! I am excited to be back after a long break, and we are diving straight into what has changed for the first time home buyer in Ontario. I break down who actually qualifies as a first time home buyer in 2026 and how to position yourself properly for homeownership in today’s Canadian real estate market.

In this episode, I cover:

• Key market shifts since 2024, including interest rate trends, credit use and housing supply
• Who qualifies as a first time home buyer in Canada and Ontario
• Federal incentives like the Home Buyers’ Plan, FHSA and extended amortization options
• Ontario land transfer tax rebates and municipal down payment assistance programs
• How common law status, co-signing and the four year rule affect eligibility
• Plus, what I’ll be covering in future episodes!

I also share a real client example that shows why working with a mortgage agent early matters. If you are a first time home buyer, planning your next move or the friend of someone you know who is, share this episode and continue to tune into Homeowner AF weekly to get the clarity you need to move forward with confidence!

Send your podcast questions to hello@briannagoslinmortgages.com and my socials below, or send me a voice note to be featured on the podcast!

Resources Mentioned In This Episode:
• First Time Buyer Benefits in Canada: https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2023/first-time-home-buyer-tax-incentives.html

• Homebuyer's Plan: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan.html

• First Home Savings Account (FHSA) https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account.html

Specific Questions? Ready to get started?
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