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First-Home Funding Planner: FHSA + HBP + GST Rebate

Plan how much you can put down on your first home by a date you pick, from your FHSA, the RRSP Home Buyers’ Plan and your savings. Built for first-time buyers in Canada, alone or as a couple. The planner projects each buyer’s FHSA room and balance year by year to your closing date, works […]

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First-Home Funding Planner: FHSA + HBP + GST Rebate - Digital Product by Shahzeb Speaks
Description

About this product

Plan how much you can put down on your first home by a date you pick, from your FHSA, the RRSP Home Buyers’ Plan and your savings. Built for first-time buyers in Canada, alone or as a couple.

The planner projects each buyer’s FHSA room and balance year by year to your closing date, works out the HBP withdrawal (up to $60,000 each) and its 15-year repayment schedule, including the repayment relief for first withdrawals made from 2022 to 2028, and adds your other savings.

It then checks the down payment against the minimum and against 20%, works out the CMHC premium, shows the highest price your down payment allows, and estimates the first-time buyers’ GST rebate on a new home.

Inside: a 9-sheet Excel workbook (also works in Google Sheets), the same planner as an offline web page, and a PDF quick-start guide. Rules checked on 2 November 2026.

Estimates for planning only, not mortgage, tax, legal or financial advice. Lenders also check your income and debts.

What's inside

Everything included

  • FHSA room and balance year by year, for two buyers
  • Home Buyers' Plan withdrawal and repayment schedule
  • 2022-2028 HBP repayment relief built in
  • Minimum down payment, 20% and CMHC premium
  • First-time buyer GST rebate on new homes
  • Excel, Google Sheets and an offline web page
FAQ

Questions about this product

What software do I need to edit these templates?

The required software (e.g., Canva, Photoshop, Illustrator, Word) is specified in the product description. Most templates utilize free, accessible platforms.

Are the premium fonts and stock images included?

Yes, we utilize free commercial-use fonts and high-quality placeholder images that you can easily swap with your own brand assets.

How fast do I get access to the template files?

Delivery is instant. After purchase, you will immediately receive access to your download links and comprehensive instruction guides.

Can I legally use these templates for client work?

Yes! The templates come with a commercial license allowing use in unlimited client projects and marketing campaigns.

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