Desiree Lucien

Desiree Lucien Hello! My name is Desiree Lucien. I assist with all mortgage transactions within Ontario. Contact me.

02/11/2026
01/22/2026

Set Goal ➡️ Educate/Increase understanding ➡️ Make a plan ➡️ Create boundaries ➡️ Stay disciplined ➡️ Achieve Goal

DM FOR THE FULL COST ($) BREAKDOWN
​1. The Upfront Cash Required
​Before you get the keys, you need "liquid" cash for the down payment and closing costs.

​2. Qualifying: The Mortgage Stress Test
​To get a mortgage in 2026, you must pass the "Stress Test." You are tested at the higher of your actual rate + 2%, or the floor rate of 5.25%.

​3. Monthly Carrying Costs
​Owning the home is often the "easy" part; keeping it is where the budget matters.

4. 2026 Strategic Checklist
- ​FHSA (First Home Savings Account): You can contribute $8,000/year (up to $40,000). Use this first; it’s tax-deductible to go in and tax-free to come out.

​- RRSP Home Buyers’ Plan: In 2026, you can withdraw up to $60,000 from your RRSP to use for your down payment, repayable over 15 years.

​- New Build HST Rebate: If you buy a new construction home under $1M in 2026, the Ontario government has proposed rebating the full 8% provincial portion of the HST for first-time buyers—a potential saving of up to $80,000.

01/20/2026

A girls girl for sure 💐

Instagram messed up the audio. DM if you know how to fix this

Who else is offering $500 per referral? YOUR NETWORK IS YOUR NET WORTH: refer a friend and earn up to TWO THOUSAND DOLLA...
01/12/2026

Who else is offering $500 per referral?

YOUR NETWORK IS YOUR NET WORTH: refer a friend and earn up to TWO THOUSAND DOLLARS back

Offer ends March 1st.

01/06/2026

Currently on hold with these 🤡

Address

Home
Woodbridge, ON

Telephone

+16477688793

Website

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