Desiree Lucien

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

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 🤡