I'm in year two of my four year plan and it's totally worth it, once you get going it even becomes easier! Congratulations on your planning and implementation!
Down payment for your first home in Canada is 5%, and you can borrow that on top of your mortgage if your credit is really, really, really good - but it's expensive. They'll hose you with massive interest rates if you do that. And you'd still have to pay the legal fees and the inspection and taxes and all that stuff.
You can also borrow a down payment from your own RRSP, but you have to pay it back within a specified amount of time, and you would then lose the earnings from that money while it's out of your RRSP, so most people don't recommend doing that. But it's a popular option, nonetheless.
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Down payment for your first home in Canada is 5%, and you can borrow that on top of your mortgage if your credit is really, really, really good - but it's expensive. They'll hose you with massive interest rates if you do that. And you'd still have to pay the legal fees and the inspection and taxes and all that stuff.
You can also borrow a down payment from your own RRSP, but you have to pay it back within a specified amount of time, and you would then lose the earnings from that money while it's out of your RRSP, so most people don't recommend doing that. But it's a popular option, nonetheless.