First Time Buyer Resources

Everything you need in one place. Use these resources alongside your buyers guide to feel fully prepared — from savings accounts to grants to school zones.

Financial Programs & Tax Credits

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First Home Savings Account (FHSA) Save up to $40,000 tax-free toward your first home. Contributions are tax-deductible.

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First-Time Home Buyer's Tax Credit Claim up to $10,000 on your tax return — up to $1,500 back in your pocket.

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Home Buyers' Plan (RRSP) Withdraw up to $35,000 from your RRSP tax-free to put toward a home purchase.

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Calculators & Tools

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Mortgage Affordability Calculator CMHC tool — find out how much home you can realistically afford.

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Closing Cost Calculator Estimate your legal fees, title insurance, and other closing costs in NB.

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CMHC Mortgage & Insurance Calculators Payment calculator, mortgage insurance, and more — all in one place.

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Grants & Rebates

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Canada Greener Homes Affordability Program Federal funding for heat pumps, insulation, windows, and energy upgrades.

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NB Power — Save Energy Programs Current rebates on heat pumps and energy-efficient upgrades through NB Power.

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From Ryan's Blog — The Right Choice Realty

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A Guide to the Home-Buying Process in Fredericton Step-by-step walkthrough of buying a home in Fredericton, written by Ryan.

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10 Tips for First-Time Homebuyers Practical tips to make your first home purchase smoother and smarter.

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State of the Fredericton Real Estate Market in 2026 Ryan's latest breakdown of what's happening in the Fredericton market right now.

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Fredericton School Zones

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Which School Do I Attend? — ASD-W Zone Finder Enter any Fredericton address to find exactly which school zone it falls into. Essential before you buy.

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ASD-W School Directory Browse all Anglophone West schools in Fredericton — ratings, grades, and contact info.

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Foreign Buyer Ban — What You Need to Know

What is it?

The Prohibition on the Purchase of Residential Property by Non-Canadians Act came into effect January 1, 2023. It restricts non-Canadians from purchasing residential property in Canada.

Who does it affect?

Non-Canadian individuals (foreign nationals)
Corporations not incorporated in Canada
Corporations with majority foreign ownership

Who is exempt?

Canadian citizens and permanent residents — not affected
Refugees and protected persons
Temporary residents who meet specific criteria
International students in certain situations

        Bottom line for most buyers: If you are a Canadian citizen or permanent resident, this ban does not apply to you and you can purchase freely. If you hold a work permit or study permit, speak with Ryan — there are exemptions that may apply to your situation.
      

Legal & Process Resources

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FCNB — Consumer Protection NB Understand your rights as a buyer and how real estate regulations work in NB.

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CMHC Home Buying Guide Canada's national housing authority — comprehensive guides for every stage of buying.

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Questions? I'm always happy to walk you through any of this.

506 307 6637

ryan@regimentcreekpm.com

2B-288 Union St, Fredericton NB