Barry Porter I Mortgage Specialist I RBC Royal Bank I Royal Bank of Canada
​Barry Porter
Mobile Mortgage Specialist
230 N. Christina St.
519-466-3833
​barry.porter@rbc.com

http://mortgage.rbc.com/barry.porter​

The New RBC True House Affordability Tool
This helps to prequalify our clients before they start shopping. Here is Barry Porter's personalized link.
http://www.rbcroyalbank.com/mortgages/tools/mortgage-affordability-calculator/index.html​


Ontario Energy Board
Welcome to the Ontario Electricity Support Program (OESP). If you are a customer of an electricity utility and in a lower-income home, you may qualify for a reduction on your electricity bill. The OESP will reduce the cost of your household electricity by applying a monthly credit directly to your bill. The credit amount will depend on how many people live in your home and your combined household income.
https://ontarioelectricitysupport.ca/


Lambton County School Details
Lambton Kent District School Board
St. Clair District Catholic School Board
Sarnia Christian School
John Knox Christian School
Which School will my child go to from this house?


Sarnia Area Information
Lambton County Site
Chamber of Commerce
Sarnia-Lambton Economic Partnership
Touris Sarnia-Lambton
MPAC


Home Buying Step by Step - CMHC  http://www.cmhc.ca/en/co/buho/hostst/index.cfm

For home owners over 64 years old
https://www.ontario.ca/page/senior-homeowners-property-tax-grant​
If you're a low-to-moderate income senior, you may be eligible for up to $500 back on your property taxes.

 

First Tim Home Buyers Government Incentives Available. 
Please visit the websites provided for each incentive available to find out if you can qualify!

Home Buyers Plan using RRSP money for a down payment
http://www.cra-arc.gc.ca/hbp/
"The Home Buyers' Plan" is a program that allows you to withdraw up to $25,000 in a calendar year from your registered retirement savings plans (RRSPs) to buy or build a home.
 

Land Transfer Tax Refund for First Time Homebuyers
http://www.fin.gov.on.ca/en/bulletins/ltt/1_2008.html
When you buy land in Ontario, you pay land transfer tax, First-time homebuyers may be eligible for a refund of all or some of the tax.
 

First time Home Buyers’ Tax Credit (HBTC)
http://www.cra-arc.gc.ca/gncy/bdgt/2009/fqhbtc-eng.html#q1
The HBTC is a tax credit, based on an amount of $5,000, for home buyers that obtain a qualifying home
 

Lambton County First time buyer
https://www.lambtononline.ca/home/residents/housingservices/Pages/HomeownershipProgram.aspx
The homeonership Down Payment Assistance program offers financial assistance to eligible households living in rental accommodations with one-time assistance in the form of a 20-year forgivable loan, secured by registration on title, for a 10% down payment to be used towards the purchase of a new or resale home with a maximum purchase price of $215,000.


Grants for Home Improvement

Insulation and Windows
https://www.greenon.ca/programs/greenon-rebates-insulation-and-high-performance-windows​ 
You can get rebates for up to $7,200 off of insulation and up to $5,000 for select high-performance windows. Using participating contractors, Ontario residents who live in a detached home, townhome or semi can take part in GreenON Rebates. If you rent, you must have the written permission of the landlord.


Heating and Cooling Incentive
http://oee.nrcan.gc.ca/corporate/statistics/neud/dpa/policy_e/details.cfm?
This Program offers homeowners a financial incentive of up to $600 by installing a high-efficiency ENERGY STAR certified central air-conditioning system and $250 by installing a high-efficiency furnace equipped with an electronically commutated motor. 


Union Gas Home Weatherization Program
https://www.uniongas.com/residential/save-money-energy/rebates-promotions/weatherization​
Union Gas pays all cost associated with this program. If you qualify, you’ll receive free home improvements that will keep you – and your energy bills – more comfortable all year round.


Lambton Renovates
https://www.lambtononline.ca/home/residents/housingservices/Pages/LambtonRenovates.aspx 
The County of Lambton is now accepting 2018 applications for funding through the Lambton Renovates Program.

The Lambton Renovates program offers financial assistance to eligible households as follows:

  • One-time assistance in the form of a 10-year forgivable loan, secured by registration on title, for home repairs to a maximum of $20,000 per household.
  • One-time assistance in the form of a grant, which does not require repayment, for accessibility improvements to a maximum of $5,000 per household.

 



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