# How should buyers strategize across provinces?

> Key strategy considerations: (1) Time your purchase to maximize federal program contributions (FHSA needs to be open 1+ year before withdrawal).

Category: Purchasing
Last verified: 2026-04-14
Source: https://ratellow.com/faqs/purchasing/how-should-buyers-strategize-across-provinces

## Answer
Key strategy considerations: (1) Time your purchase to maximize federal program contributions (FHSA needs to be open 1+ year before withdrawal). (2) In double-LTT jurisdictions (Toronto), the combined first-time homebuyer rebates are up to $8,475 — ensure you claim both. (3) In no-LTT provinces, redirect those savings to a larger down payment to avoid CMHC insurance. (4) Quebec buyers should budget an extra 1-2% of purchase price for Welcome Tax. (5) Consider that some provinces have additional grants for new construction purchases.

## Related guide
- https://ratellow.com/guides/provincial-first-time-buyer-programs

## Sources
- FCAC First-Time Buyer Programs Overview — https://www.canada.ca/en/financial-consumer-agency/services/mortgages/renew-mortgage.html#toc3
- CMHC Insured Mortgage Programs — https://assets.cmhc-schl.gc.ca/sf/project/cmhc/pdfs/factsheets/new/cmhc-quick-reference.pdf