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Unlock the Door to Niagara Homeownership!

Homeownership Program

The Homeownership Program helps make homeownership possible for low to moderate-income households in Niagara. It also reduces demand for rental housing by assisting renters in purchasing affordable homes.

Program Benefits:

  • Provides down payment assistance through an interest-free loan of up to 10% of the purchase price, with a maximum of $66,774.80.

  • Encourages the construction of affordable housing by developers.

For an application, contact:
Jason Serroul 📞 905-401-4009
📧 Email: Jasons@remax-gc.com
Michael Martin 📞 289-687-6648
📧 Email: michaelmartin@remax-gc.com
Marissa Kerr 📞 613-793-1598
📧 Email: contact@marissakerr.com

Buyer Eligibility

To qualify for a down payment loan, buyers must:

  • Be a Canadian citizen, landed immigrant, or refugee claimant with no outstanding removal order.

  • Be a current resident of Niagara and at least 18 years old.

  • Not own or have an interest in any residential properties or owe arrears to a government-assisted housing provider.

  • Be a renter household or first-time homebuyer (those paying room and board or living with family/friends do not qualify).

  • Have never previously owned a home or had an ownership interest in one.

  • Have a gross annual household income below:

    • $95,000 for a one-person household.

    • $113,000 for a multi-person household.

  • Have personal assets below $50,000, including RRSPs and any gifted funds.

  • Qualify for a mortgage from a recognized financial institution and provide proof.

  • Submit a fully executed Agreement of Purchase and Sale within 60 days of receiving a Conditional Letter of Commitment.

  • Cover all costs associated with finalizing the home purchase and provide proof of ability to do so.


Home Eligibility

To qualify, homes must:

  • Be located in Niagara.

  • Undergo a home inspection (required for resale homes, recommended for new homes, paid for by the buyer).

  • Have a maximum purchase price of $667,748 (subject to updates from the Ministry of Municipal Affairs and Housing).

  • Be modest in size and features and can include detached, semi-detached, row houses, townhouses, duplexes, or condominiums.

  • Not be a property where the buyer or their family has an ownership interest.

  • Not include mobile homes or multi-residential properties (e.g., triplexes).


How to Apply

Step 1: Contact us for an application.

Step 2: Get pre-approved for a mortgage.

Step 3: Submit an application.

Step 4: Receive final approval.

Step 5: Start searching for your home :).

Read

Open House. Open House on Saturday, February 8, 2025 2:00PM - 4:00PM

Please visit our Open House at 958 Beach Boulevard in Hamilton. See details here

Open House on Saturday, February 8, 2025 2:00PM - 4:00PM

Welcome to 958 Beach Blvd! Stunning, custom built, 3 bed 3 bath home situated on a large 170’ deep lot located in the desirable Hamilton Beach community. Bright and spacious with a functional, open concept floor plan. Located just steps to the waterfront trail & sandy beach. Stylish kitchen with centre island, granite counters, stainless steel appliances, custom cabinetry with under valence lighting. Pot lights, 9’ ceilings, california shutters and engineered hardwood throughout. Main floor office or den area off the foyer. Laundry room with cabinetry & laundry sink on the main floor. Sliding doors off dining area to back deck to cabana with fireplace & TV. Off the back deck there is a massive, fenced backyard. Glass railing off living area leads to second floor sitting room, with sliding door walk out to 363 sq ft terrace with water views. Primary bedroom offers 5pc ensuite, walk-in closet and private 94 sq ft balcony also with water views. Second & third bedrooms are spacious with large closets. Watch the sun rise from your balcony, and relax in the evening with the sunset out back. Close proximity to downtown Burlington, public transit, parks, amenities & quick highway access.

Read

Open House. Open House on Sunday, January 26, 2025 2:00PM - 4:00PM

Please visit our Open House at 958 Beach Boulevard in Hamilton. See details here

Open House on Sunday, January 26, 2025 2:00PM - 4:00PM

Welcome to 958 Beach Blvd! Stunning, custom built, 3 bed 3 bath home situated on a large 170’ deep lot located in the desirable Hamilton Beach community. Bright and spacious with a functional, open concept floor plan. Located just steps to the waterfront trail & sandy beach. Stylish kitchen with centre island, granite counters, stainless steel appliances, custom cabinetry with under valence lighting. Pot lights, 9’ ceilings, california shutters and engineered hardwood throughout. Main floor office or den area off the foyer. Laundry room with cabinetry & laundry sink on the main floor. Sliding doors off dining area to back deck to cabana with fireplace & TV. Off the back deck there is a massive, fenced backyard. Glass railing off living area leads to second floor sitting room, with sliding door walk out to 363 sq ft terrace with water views. Primary bedroom offers 5pc ensuite, walk-in closet and private 94 sq ft balcony also with water views. Second & third bedrooms are spacious with large closets. Watch the sun rise from your balcony, and relax in the evening with the sunset out back. Close proximity to downtown Burlington, public transit, parks, amenities & quick highway access.

Read

Open House. Open House on Saturday, January 11, 2025 2:00PM - 4:00PM

Please visit our Open House at 9 Copeman Avenue in Brantford. See details here

Open House on Saturday, January 11, 2025 2:00PM - 4:00PM

Welcome to 9 Copeman Avenue. Bright & spacious detached home in Brantford’s desirable Nature’s Grand community. Less than a year old, built by LIV Communities, featuring 4 bed & 3 bath. Welcoming foyer with den, separate dining area, 2pc bath, open concept living room, kitchen and breakfast area. Hardwood & 9ft ceilings throughout the main floor. Stylish kitchen with breakfast bar, stainless steel appliances & walk out to rear yard. Oak staircase leads you up to 4 spacious bedrooms, 2 with vaulted ceilings, 4pc bath & convenient laundry room. Primary offers 4pc ensuite and massive walk-in closet. Close proximity to great schools, parks & trails, nestled along the Grand River & just 5 mins to Highway 403.

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Open House. Open House on Sunday, January 12, 2025 2:00PM - 4:00PM

Please visit our Open House at 958 Beach Boulevard in Hamilton. See details here

Open House on Sunday, January 12, 2025 2:00PM - 4:00PM

Welcome to 958 Beach Blvd! Stunning, custom built, 3 bed 3 bath home situated on a large 170’ deep lot located in the desirable Hamilton Beach community. Bright and spacious with a functional, open concept floor plan. Located just steps to the waterfront trail & sandy beach. Stylish kitchen with centre island, granite counters, stainless steel appliances, custom cabinetry with under valence lighting. Pot lights, 9’ ceilings, california shutters and engineered hardwood throughout. Main floor office or den area off the foyer. Laundry room with cabinetry & laundry sink on the main floor. Sliding doors off dining area to back deck to cabana with fireplace & TV. Off the back deck there is a massive, fenced backyard. Glass railing off living area leads to second floor sitting room, with sliding door walk out to 363 sq ft terrace with water views. Primary bedroom offers 5pc ensuite, walk-in closet and private 94 sq ft balcony also with water views. Second & third bedrooms are spacious with large closets. Watch the sun rise from your balcony, and relax in the evening with the sunset out back. Close proximity to downtown Burlington, public transit, parks, amenities & quick highway access.

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New property listed in 2028 - Northwest Industrial, 2028 - Henderson/Holmedale

I have listed a new property at 9 Copeman Avenue in Brantford. See details here

Welcome to 9 Copeman Avenue. Bright & spacious detached home in Brantford’s desirable Nature’s Grand community. Less than a year old, built by LIV Communities, featuring 4 bed & 3 bath. Welcoming foyer with den, separate dining area, 2pc bath, open concept living room, kitchen and breakfast area. Hardwood & 9ft ceilings throughout the main floor. Stylish kitchen with breakfast bar, stainless steel appliances & walk out to rear yard. Oak staircase leads you up to 4 spacious bedrooms, 2 with vaulted ceilings, 4pc bath & convenient laundry room. Primary offers 4pc ensuite and massive walk-in closet. Close proximity to great schools, parks & trails, nestled along the Grand River & just 5 mins to Highway 403.

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New property listed in Wallaceburg, Chatham

I have listed a new property at 209 Murray Street in Wallaceburg. See details here

This legal duplex is comprised of 2 units located at 209 Murray St & 331 King St. The main unit located at 331 King consists of 3 bedrooms and 1.5 bath, living room, kitchen, dining area, separate laundry and access to unfinished basement with separate entrance. The second unit has access at the ground level on 209 Murray and has a second access at rear up to the balcony at second floor. This unit consists of 2 bedrooms, 1 bathroom, kitchen, living area and large family room with laundry closet. Both units are separately metered and have their own hot water tanks (owned). Large, double car, 21' x 20' detached garage with power. Fully fenced yard and two storage areas off back of garage. 331 King Appliances (2023), 209 Murray Appliances (2024), 331 King AC (2023), 209 Murray Roof (2023), Concrete Driveway (2023).

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New property listed in 445 - Facer, St. Catharines

I have listed a new property at 2 Anderson Street in St. Catharines. See details here

Welcome to 2 Anderson Street. Meticulously maintained, 3 bed, 2 bath, solid brick bungalow with detached garage situated on a quiet tree-lined street in desirable north end St. Catharines. Functional layout with hardwood flooring, California shutters & custom fixtures throughout the main level. Open concept eat-in kitchen with breakfast bar & updated cabinetry. Bright & spacious living area with crown moulding. Three generous sized bedrooms & 4pc bath complete this level. Separate side entrance in-law potential with lower level featuring a kitchen, large rec room & 3pc bath. Long concrete driveway with ample parking leading to detached garage. Close proximity to all amenities; great schools, parks, restaurants, public transit & major highway access.

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Open House. Open House on Sunday, December 15, 2024 2:00PM - 4:00PM

Please visit our Open House at 2 Anderson Street in St. Catharines. See details here

Open House on Sunday, December 15, 2024 2:00PM - 4:00PM

Welcome to 2 Anderson Street. Meticulously maintained, 3 bed, 2 bath, solid brick bungalow with detached garage situated on a quiet tree-lined street in desirable north end St. Catharines. Functional layout with hardwood flooring, California shutters & custom fixtures throughout the main level. Open concept eat-in kitchen with breakfast bar & updated cabinetry. Bright & spacious living area with crown moulding. Three generous sized bedrooms & 4pc bath complete this level. Separate side entrance in-law potential with lower level featuring a kitchen, large rec room & 3pc bath. Long concrete driveway with ample parking leading to detached garage. Close proximity to all amenities; great schools, parks, restaurants, public transit & major highway access.

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New property listed in 290 - Hamilton Beach, 29 - Hamilton East

I have listed a new property at 958 Beach Boulevard in Hamilton. See details here

Welcome to 958 Beach Blvd! Stunning, custom built, 3 bed 3 bath home situated on a large 170’ deep lot located in the desirable Hamilton Beach community. Bright and spacious with a functional, open concept floor plan. Located just steps to the waterfront trail & sandy beach. Stylish kitchen with centre island, granite counters, stainless steel appliances, custom cabinetry with under valence lighting. Pot lights, 9’ ceilings, california shutters and engineered hardwood throughout. Main floor office or den area off the foyer. Laundry room with cabinetry & laundry sink on the main floor. Sliding doors off dining area to back deck to cabana with fireplace & TV. Off the back deck there is a massive, fenced backyard. Glass railing off living area leads to second floor sitting room, with sliding door walk out to 363 sq ft terrace with water views. Primary bedroom offers 5pc ensuite, walk-in closet and private 94 sq ft balcony also with water views. Second & third bedrooms are spacious with large closets. Watch the sun rise from your balcony, and relax in the evening with the sunset out back. Close proximity to downtown Burlington, public transit, parks, amenities & quick highway access.

Read

Open House. Open House on Sunday, December 15, 2024 2:00PM - 4:00PM

Please visit our Open House at 958 Beach Boulevard in Hamilton. See details here

Open House on Sunday, December 15, 2024 2:00PM - 4:00PM

Welcome to 958 Beach Blvd! Stunning, custom built, 3 bed 3 bath home situated on a large 170’ deep lot located in the desirable Hamilton Beach community. Bright and spacious with a functional, open concept floor plan. Located just steps to the waterfront trail & sandy beach. Stylish kitchen with centre island, granite counters, stainless steel appliances, custom cabinetry with under valence lighting. Pot lights, 9’ ceilings, california shutters and engineered hardwood throughout. Main floor office or den area off the foyer. Laundry room with cabinetry & laundry sink on the main floor. Sliding doors off dining area to back deck to cabana with fireplace & TV. Off the back deck there is a massive, fenced backyard. Glass railing off living area leads to second floor sitting room, with sliding door walk out to 363 sq ft terrace with water views. Primary bedroom offers 5pc ensuite, walk-in closet and private 94 sq ft balcony also with water views. Second & third bedrooms are spacious with large closets. Watch the sun rise from your balcony, and relax in the evening with the sunset out back. Close proximity to downtown Burlington, public transit, parks, amenities & quick highway access.

Read