In partnership with
First-Time Buyer Advantage
Buy a brand new Shane home as a FTHB and pay $0 down!*
As of 2025, first-time buyers pay zero GST on a new build up to $1,000,000. Stack that with the RRSP Home Buyers' Plan and most buyers walk into a new Shane home with their down payment coming back to them.
Resale homes get none of this. It only works on a new build - which is exactly what Shane Homes builds.
$50,000
Maximum GST rebate on a new build
$120,000
RRSP a couple can use for a down payment
$0
GST owing on new homes under $1M
The Numbers
What a buyer gets back at every Shane Homes price point
Two separate pots of money. The GST rebate comes off the purchase of the new build. The tax refund comes from putting the down payment through an RRSP first. Both are federal programs, both are legal, and both only apply to first-time buyers of new construction.
Buying as
Tax bracket
| Home price | Minimum down payment | RRSP you can use | Tax refund on that RRSP | GST rebate | Total money back |
|---|---|---|---|---|---|
| $500K | $25,000 | $25,000 | $7,625 | $25,000 | $32,625 |
| $600K | $35,000 | $35,000 | $10,675 | $30,000 | $40,675 |
| $700K | $45,000 | $45,000 | $13,725 | $35,000 | $48,725 |
| $800K | $55,000 | $55,000 | $16,775 | $40,000 | $56,775 |
| $900K | $65,000 | $60,000 | $18,300 | $45,000 | $63,300 |
| $1.0M | $200,000 | $60,000 | $18,300 | $50,000 | $68,300 |
| $1.10M | $220,000 | $60,000 | $18,300 | $44,000 | $62,300 |
| $1.20M | $240,000 | $60,000 | $18,300 | $36,000 | $54,300 |
| $1.30M | $260,000 | $60,000 | $18,300 | $26,000 | $44,300 |
| $1.40M | $280,000 | $60,000 | $18,300 | $14,000 | $32,300 |
| $1.50M | $300,000 | $60,000 | $18,300 | $0 | $18,300 |
Total money back, by price point
Figures are illustrations only. The GST rebate is the federal First-Time Home Buyers' GST Rebate: the full 5% back on new builds up to $1,000,000, phasing down to zero at $1,500,000. Tax refund figures assume the full RRSP contribution is deducted in one tax year at the bracket selected. Actual results depend on income, lender approval and CRA rules. Speak to Spark Financial Group and your accountant.
How it works
Five steps from renting to a new Shane home
Frequently asked questions
Common questions, straight answers
The RRSP & Down Payment
Buying a New Build
Mortgage Approval & Finances
The Tax Refund & GST Rebate
Other Programs & Stacking Benefits
Working With Our Team
Answers are general information only, based on federal programs current at the time of writing. Eligibility, amounts, and program rules can change. Confirm your own situation with a mortgage professional and a tax professional before making decisions.
For the Shane Homes sales team
Why this closes homes no one else is closing
Turns renters into buyers
The number one objection in the sales centre is 'we do not have the down payment yet.' This removes it without discounting a single home.
Beats resale on price, not just on new
A $700,000 Shane home with $35,000 of GST back competes directly with a $665,000 resale listing. No other builder is putting that math in front of buyers.
Protects margin
The incentive is funded by the federal government, not by the builder. No price reductions, no upgrade giveaways, no commission bumps.
Fits the build timeline
The 90 day RRSP hold runs in parallel with construction and possession dates instead of delaying them.
Creates a reason to call back
Every lost lead from the past year can be re-contacted with genuinely new information rather than another 'just checking in.'
A finite window
The rebate applies to agreements signed on or after May 27, 2025. Buyers who move now capture it. That is real urgency, honestly earned.
Print and display
Everything the sales centre needs, ready to print
Four pieces, all in Shane Homes colours, all printable today at any local print shop.
Sales Centre Poster
24 x 36 in · print ready PDF
Large format headline piece for the show home wall or an easel at the front desk. Big number, short message, readable from across the room.
Client Handout
8.5 x 11 in, two sides · print ready PDF
The one pager that slots into the brochure package. Front side explains the two programs, back side is the full price point table.
Table Tent / Counter Card
5 x 7 in, folds to stand · print ready PDF
Sits on the design centre table and the kitchen island in every show home. One question, one number, one QR-ready call to action.
Social Media Kit
Square and story graphics · PDF
Ready-to-post graphics plus caption copy for Marque Media to schedule across Instagram, Facebook and LinkedIn.
Marque Media
A five-post campaign to put this in front of Calgary
Hand this straight to Marque Media. Each concept is built to drive traffic back to this page, where the enquiry form routes the lead to the Shane Homes and Spark Financial Group team.
"We don't have a down payment yet."
Reel / 30 sec talking headYou might already have it and not know. Here is how first-time buyers are getting theirs back on a brand new Shane home.
$0 GST. On a brand new home.
Static carousel, 5 slidesFirst-time buyers now pay zero GST on new builds up to $1M. On a $700K Shane home that is $35,000 back. Resale homes get nothing.
New vs resale, the honest math
Static carousel, 4 slidesSide by side: a $700K new build after the rebate versus a $700K resale. Same payment, very different number.
Parents: this is how you help without giving it all away
Reel / 45 secA short-term loan through an RRSP can turn a modest gift into a full down payment plus a tax refund.
90 days is all it takes
Story series, 3 framesShop today, write an offer today. Possession just needs to land 90 days after the RRSP contribution, which is exactly how a new build timeline works.
Suggested cadence
Two posts a week for four weeks, boosted to first-time buyers aged 25 to 40 within 40km of Calgary. Pair every post with a link to this page and a story frame pointing at the show home. Track enquiries by asking "how did you hear about us" on the form below.
Run my numbers
Find out what you would get back
Tell us a little about yourself and Spark Financial Group will send back the exact numbers for the Shane home you have in mind. No pressure, no obligation.
Your information is private and will never be sold. By submitting, you consent to be contacted by Shane Homes and Spark Financial Group about this program.