Save thousands on your first home
Buy the home of your dreams

Make your mortgage more affordable

The Government of Canada’s First Time Home Buyer Incentive helps make buying your first home more affordable. Just look at some of the potential savings you can enjoy from the Shared Equity Mortgage (SEM) incentive.

CMHC chart

See this example in more detail or visit the CMHC website for more information on the initiative.

We can save you even more money!

When you finance your first home with Innovation, you can get up to $2,500* cash back!

Contact us to learn more about this offer and the CMHC First Time Home Buyer Incentive. We'd love to help you make one of the biggest purchases of your life.


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Homeowners can repay the Incentive at any time in full without a pre-payment penalty. The Incentive must be repaid after 25 years or if the property is sold, whichever happens first. The repayment amount is based on the property’s fair market value at the time of repayment.

Innovation's 5-year mortgage special rate is subject to change without notice.

See cashback offer terms and conditions.

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