Home Buyers' Plan (HBP)

At La Capitale, we have everything you need for your RRSPs²!

Withdraw up to $35,000 tax-free from your RRSP to purchase your first home.

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Benefit from investment products that are among the top performers in the industry.³

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You can count on us to recommend diversified investments that are tailored to your investor profile.

Keep your savings safe with our investment accounts that offer 100% guaranteed capital in the event of death.⁴

Unique RRSP benefits for public service employees

Get a tailor-made projection of your retirement income thanks to our tool designed specifically for your retirement plan (RREGOP or PPMP)

Contribute to your RRSPs without giving it a second thought by opting for payroll deduction⁵

How does the HBP work?

The HBP allows you to withdraw up to $35,000 tax-free from your RRSP to purchase your first home. You have up to 15 years to repay the amounts you withdrew from your RRSPs. 

You must meet certain conditions to be eligible for the HBP², notably:

• You must not have been a homeowner during the last four years
• You must deposit the money into your RRSP at least 90 days before withdrawing it
• You have signed a contract to purchase or build an eligible residence
• You must intend to use the home as your principal residence within one year following the purchase or the construction of the home