• This program allows you to withdraw up to $25,000 from your RRSP to buy or build a new home.
• You can also use it to buy or build a home for yourself or someone you know with a disability.

• The HBTC is a non-refundable tax credit that helps homeowners recover closing costs such as legal expenses and inspections.
• First-time buyers can claim up to $5,000 for the purchase of a qualifying home on their personal tax return on the year of purchase. However, you cannot have lived in another home you or your partner owned in the previous 4 years.
• If you have a disability (i.e., you are eligible for the disability tax credit) or if you bought the house to improve accessibility for someone who is disabled, you do not have to be a first-time home buyer.

• The GST/HST new housing rebate gives back some of the GST or the federal part of the HST you paid - up to $1,500 - for a new or substantially renovated house that is your primary place of residence provided you meet all the eligibility requirements

• This program is open to First Nations and First Nation members owning residential properties that want to create affordable, self-contained rental accommodation (secondary, granny, or garden suites) within their primary residence.

• Eligible households can receive fully forgivable loans that do not have to be repaid as long as you stick to the conditions of the program, such as renting the suite to low-income tenants. The most you can get is $60,000 per unit unless you live in a northern or remote community. In that case, the amount increases by 25%.

• This program is open to First Nations and First Nation members owning residential properties that want to create affordable, self-contained rental accommodation (secondary, granny, or garden suites) within their primary residence.

• Eligible households can receive fully forgivable loans that do not have to be repaid as long as you stick to the conditions of the program, such as renting the suite to low-income tenants. The most you can get is $60,000 per unit unless you live in a northern or remote community. In that case, the amount increases by 25%.

• If you are a low-income person (including landlords) making renovations to improve access in your household for someone with a disability, this program is for you.

• You can receive a forgivable loan up to $23,000.

• Receive a 25% rebate when you build a home through one of Genworth Canada’s qualifying energy-efficient building programs or meet the prescribed minimum Natural Resources Canada EnerGuide requirements and fund it through a Genworth Canada insured mortgage.

• If you are a first-time homebuyer, you can receive a credit of up to $1,100 on your provincial taxes.
• This program is operated through the Canada Revenue Agency.

• With this program created by The City of Saskatoon, Canada Mortgage and Housing Corporation, and the Saskatchewan Housing Corporation, families with incomes below the allowable thresholds (i.e., the threshold for a family of four would be $85,122) are eligible to receive 5% of the down payment required to build a home in a designated project area.

• You can receive a down payment loan of up to 5% of your first entry level home.
• Eligibility is limited to households with a maximum of $84,000 and a current renter in Saskatoon.

• Market housing that you can receive without any subsidies.
• Families with incomes between $52,000 and $80,000 are invited to apply.

• You can get a rebate of up to 25% to repair an old secondary suite or up to 100% rebate on building and plumbing permits related to building a secondary suite.

• This one-time rebate program will give you up to 20% of the costs, or a rebate of up to $20,000, when you make the switch to a more environmentally friendly form of electricity such as solar panels.
• Another bonus of this program is that any extra electricity you generate can be sent to the City’s grid in return for a credit to your monthly bill.
• This program is offered through SaskPower.

• If you are a low-income senior, ($26,748 for a household of two) you can defer all or part of your property and library taxes for the year.
• Your application is due at the end of October, each year, and the new application and eligibility requirements will be available by June.

SaskPower offers programs for homeowners who are looking to be a bit more energy efficient.

• Under this program to preserve Regina’s historic properties, homeowners of eligible properties can apply for financial assistance to cover 50% of the eligible work cost or the total property taxes payable over 10 years, whichever is the least.

• The City of Regina has begun an initiative to create more affordable housing options in the city. Qualifying homeowners building secondary suites can apply for a tax exemption matching their development category providing they apply while construction is ongoing and they agree to rent to those within set income levels. Other eligibility requirements exist, so check their brochure for more information.

• Twice a year, SaskPower teams up with retailers to provide discounts on Smart Home products and lighting that is Energy Star certified.

These sales are offered in store. Check their website often to catch the sales.