Big Wins for First-Time Buyers and Renewing Homeowners with Massive Savings and New Incentives
- Angela Calla

- Sep 29
- 3 min read
If you’ve been wondering whether now is the right time to enter the real estate market or restructure your mortgage. How Canadians, especially first-time buyers and those renewing their mortgage, can take advantage of new incentives and smart strategies to save tens of thousands of dollars.
If you’re a homeowner or planning to become one, the latest updates in mortgage incentives and insurance rebates might be just what you need to take your financial plans to the next level.
First-Time Buyer? Your Opportunity Has Never Been Better
An accredited mortgage professional, Angela Calla Mortgage Team, highlighted an unprecedented level of support for first-time homebuyers in Canada.
Key benefits include:
GST Rebate on New Builds: New construction homes under $1M are now GST-exempt—a massive upfront savings.
25% mortgage insurance rebate via CMHC Eco Plus: If you're putting down less than 20%, you're eligible for a 25% rebate on your mortgage insurance through select lenders.
No Property Transfer Tax under $1.1M: Homes under $1.1M also benefit from waived transfer tax.
These incentives could total over $50,000 in savings on a $1M purchase. It's an incredible time for those with steady income to enter the housing market. In fact, first-time buyers now represent 12% of mortgage activity, up 10% from last year. With the right guidance, you can combine these programs and walk into your first home with confidence and long-term financial advantage.
Mortgage Restructuring: Real People Are Saving Thousands
Client stories from across BC show what happens when people take control of their finances with the right help. Take Nadine and Scott from Prince George, for example. After decades with a big bank and little to no personal service, they switched to the Angela Calla Mortgage Team and saved $2,800/month. Over five years, that's a net gain of $172,300—money now going toward savings and retirement instead of high-interest debt.
Another client, Robert, a recently divorced single dad, saved $324.13/month, while single mom Deanna shaved $1,485/month off her budget by consolidating outside debt into a restructured mortgage. These aren’t just numbers—they’re life-changing outcomes.
Why Work With a Mortgage Broker?
In a world of changing rates, rising living costs, and complex lending systems, having an unbiased team who reviews your entire financial picture makes all the difference. Whether you’re renewing your mortgage, buying for the first time, or navigating a major life change, it pays to explore every option available to you.
Angela Calla Mortgage Team is a licensed professional working with many lenders, many of which aren’t accessible to the public. They’re here to help you optimize your mortgage
✅ More unbiased advice
✅ Better chances of approval
✅ Options that truly suit your financial goals
✅ No fees for service
Want to Get Started?
Whether you're buying your first home, facing a renewal, or need to consolidate debt through a smarter mortgage, visit Angelacalla.ca.
Reach out to our team today! Call us at 604-802-3983 or email us at callateam@countoncalla.ca to start a conversation and explore how much you could save!
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Angela Calla is a mortgage renewal and debt elimination expert with over 20 years of industry experience. She is also a multi-award-winning mortgage professional. Since beginning as a mortgage broker in 2004, Angela has helped thousands of Canadians optimize their mortgage strategies, eliminate debt, and build wealth through real estate.
She is the best-selling author of The Mortgage Code, which equips readers with the tools to make informed financial decisions. Additionally, she is the host of Canada’s longest-running finance radio show on CKNW, where she simplifies mortgage advice and empowers listeners to take control of their financial futures.
Angela has been recognized as Business Leader of the Year (2020) by the Tri-Cities Chamber of Commerce and Entrepreneur of the Year (2019) by the City of Port Coquitlam. She is also a sought-after speaker and educator, delivering accredited training for real estate boards across Greater Vancouver.










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