{"id":17849,"date":"2022-11-02T09:15:00","date_gmt":"2022-11-02T13:15:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=17849"},"modified":"2022-11-02T16:31:24","modified_gmt":"2022-11-02T20:31:24","slug":"ways-to-save-for-down-payment","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/ways-to-save-for-down-payment\/","title":{"rendered":"Buying a Home? Here Are 5 Ways to Save for Your Down Payment"},"content":{"rendered":"\n

Rising interest rates in 2022 have caused a significant shift in the real estate market – turning it from a seller\u2019s market to a buyer\u2019s market seemingly overnight. Now, many Canadians, particularly first-time homebuyers who are looking to get their foot on the property ladder are debating whether or not it is the right time to purchase. <\/p>\n\n\n\n

Although housing prices have cooled in recent months, saving up for a down payment is still no easy task, no matter where you live in Canada. It\u2019s even harder if you\u2019re already shelling out money for rent each month. <\/p>\n\n\n\n

The good news is that by following a few key steps, you may be able to afford a home quicker than you think.<\/p>\n\n\n\n

How Much Will I Need For A Down Payment? <\/h2>\n\n\n\n

Well, it depends.<\/p>\n\n\n\n

To buy a home in Canada, you\u2019ll need to contribute a minimum of 5% of the purchase price as a down payment if it is your primary residence. <\/p>\n\n\n\n

The exact amount depends on the purchase price. This won\u2019t be your only upfront expense, however. In addition to the down payment, home buyers are recommended to budget another 1.5% to cover closing costs and legal fees.<\/p>\n\n\n\n

For example, to purchase an $800,000 home, you\u2019ll need at least $52,000, or 6.5% of the purchase price. If you\u2019re looking at homes at or above $1,000,000, you will be required to put a minimum of 20% as your down payment. In other words, you would need at least $215,000 or 21.5% of the purchase price.<\/p>\n\n\n\n

The cost difference to purchase a $999,999 home and a $1,000,000 home is significant due to the minimum down payment required by lenders. We recommend speaking to an experienced and reliable real estate agent<\/a> to review your options.<\/p>\n\n\n\n

What Is CMHC Insurance? <\/h2>\n\n\n\n

Any mortgage with less than 20% down payment must be covered by default insurance, often referred to as CMHC insurance. While default insurance is designed to protect the mortgage lender, the cost is passed along to the home buyer in the form of a CMHC premium. <\/p>\n\n\n\n

The CMHC premium is almost always included in the mortgage financing, so it\u2019s not an expense you\u2019ll have to pay upfront. For more information on how default insurance works, visit the CMHC website<\/a>. <\/p>\n\n\n\n

To avoid being charged a CMHC premium, you\u2019ll need to come up with 20% as a down payment. This is referred to as a conventional mortgage. A larger down payment will save you a lot of money in the long run, but it will take some careful planning to come up with the funds. <\/p>\n\n\n\n

Ways to Save For A Down Payment <\/h2>\n\n\n\n

Below is a list of 5 ways to save for your down payment. If you follow these steps and stay the course, you will reach your savings goal sooner than you think. Ready? Let\u2019s dive in! <\/p>\n\n\n\n

1. Establish a Savings Goal <\/h3>\n\n\n\n

Before you start saving, you need a down payment goal to shoot for. Figure out how much you plan to spend on a home, the percentage you will be putting down upfront, and when you plan to buy. Once you know these things, you can figure out how much you\u2019ll need to save each month to reach your goal by a certain date. We recommend using the Zoocasa mortgage calculator<\/a> to see how much you\u2019ll need to put down to comfortably afford your monthly mortgage payments.<\/p>\n\n\n\n

2. Cut Back on Expenses <\/h3>\n\n\n\n

Often, the easiest way to start saving is to cut your spending. Especially when you\u2019re saving for something big, like your first home. To improve your cash flow, start by looking at your bank statements for the last three months. You might be surprised at how much money you\u2019re spending on extras like eating out and subscriptions. That caramel latte may not seem like a big deal, but when you need to get serious about saving money, the little things add up. <\/p>\n\n\n\n

3. Automate Your Savings <\/h3>\n\n\n\n

Once you know how much you need to save each month, automate the process by setting up a recurring transfer from your chequing account to a high-interest savings account every time you get paid. Typically, online-only banks such as Alterna and EQ Bank offer higher HISA rates. This will ensure you are paying yourself first, as you learn to live on the money that\u2019s left over. <\/p>\n\n\n\n

4. Plan to Save Your Windfalls <\/h3>\n\n\n\n

Every now and then, you may receive lump sums of money over and above your regular paycheque. A good example would be an income tax refund or a year-end bonus at work. Avoid the temptation to spend these financial windfalls. Instead, transfer them to your savings as soon as they arrive. If you can do this over and over, you\u2019ll reach your down payment savings goal in no time. <\/p>\n\n\n\n

5. Borrow from Your RRSP <\/h3>\n\n\n\n

Did you know? If you\u2019re a first time home buyer, the federal government will let you borrow from your RRSP for the purpose of building or buying a qualifying home. The program is called the Home Buyers Plan<\/a>, and it\u2019s designed to make it easier for Canadians to enter the housing market. There are no penalties when you withdraw, but you must repay the amount borrowed over a period of 15 years. The maximum withdrawal amount under the HBP is $35,000. If you have money in an RRSP, the HBP could provide an immediate boost to your down payment savings. <\/p>\n\n\n\n

Where Should I Invest My Down Payment Savings?<\/h2>\n\n\n\n

You know how much money you need to save, but how should you invest it? Unless you plan to wait 5 years or more before buying a home, do not invest in the markets. 2022 has been a prime example of why you may not want to take the risk, as you may not have the time to wait for your investments to recover from market downturns.<\/p>\n\n\n\n

Instead, it\u2019s recommended that you use a high-interest savings account to save for your down payment. These accounts are offered by most financial institutions, with the online banks offering the highest rates. At the moment, as interest rates are high, short-term GICs are also a good alternative.<\/p>\n\n\n\n

High-interest savings accounts and GICs aren\u2019t going to make you rich, but it\u2019s a safe place to put your down payment funds while guaranteeing a positive return, and you\u2019ll benefit from not having to pay any fees.<\/p>\n\n\n\n

Final Thoughts on Saving for a Down Payment <\/h2>\n\n\n\n

There you have it, five ways you can save for a down payment. <\/p>\n\n\n\n

It\u2019s not an exhaustive list; there are other ways to come up with the money to buy a house. You could start a side hustle to make extra money. You might even receive part of your down payment in the form of a gift from a close family member<\/a>.<\/p>\n\n\n\n

Published: October 7, 2020<\/em>
Last updated: November 2nd, 2022<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

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