09/04/2026
Buying your First Home? If you’re in Ontario and not yet married or common-law, you may each still be able to qualify as a first-time home buyers (FTHB).
That could look like:
🏡 One partner purchases a home first, both live there for 1 year.
💗 The second partner purchases another home, and you both move into that one together.
🔑 The first property becomes a rental.
💰 The rental income covers the mortgage on the first home.
📈 Meanwhile, you’re building equity in two properties instead of one.
But timing matters!
Once you’re married or considered common-law, living in a home owned by your spouse or partner can affect whether you’re still considered a first-time home buyer, even if you’ve never personally been on title.
Programs including the FHSA, Home Buyers’ Plan (HBP) and provincial land transfer tax rebates each have their own eligibility rules, so it’s worth understanding them BEFORE deciding which the order in which to do things.
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