{"id":66974,"date":"2026-05-20T23:43:17","date_gmt":"2026-05-21T03:43:17","guid":{"rendered":"https:\/\/www.assur360.ca\/fhsa-2026-tax-free-home-savings-account-assur360\/"},"modified":"2026-06-26T03:03:56","modified_gmt":"2026-06-26T07:03:56","slug":"fhsa-2026-tax-free-home-savings-account-assur360","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/","title":{"rendered":"FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#FHSA-2026-%E2%80%94-Tax-Free-Home-Savings-Account-Assur360\" >FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#What-exactly-is-the-FHSA\" >What exactly is the FHSA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Are-you-eligible-for-an-FHSA\" >Are you eligible for an FHSA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#FHSA-Limits-2026-%E2%80%94-How-Much-to-Contribute\" >FHSA Limits 2026 \u2014 How Much to Contribute?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Case-in-point%E2%80%94Tax-savings-in-Quebec\" >Case in point\u2014Tax savings in Quebec<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Where-to-open-an-FHSA-in-Quebec\" >Where to open an FHSA in Quebec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#FHSA-vs-TFSA-vs-RRSP-%E2%80%94-Which-is-better\" >FHSA vs TFSA vs RRSP \u2014 Which is better?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Frequently-asked-questions-about-FHSA\" >Frequently asked questions about FHSA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/fhsa-2026-tax-free-home-savings-account-assur360\/#Related-pages-to-better-plan-your-purchase\" >Related pages to better plan your purchase<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1 style=\"font-family:'Sora',sans-serif;font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;color:#0d1f2d;margin:32px 0 24px;\"><span class=\"ez-toc-section\" id=\"FHSA-2026-%E2%80%94-Tax-Free-Home-Savings-Account-Assur360\"><\/span>FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FinancialProduct\",\"name\":\"FHSA \u2014 Tax-Free Home Savings Account for First-Time Home Buyers\",\"description\":\"Registered savings account that combines the tax benefits of the RRSP (deduction) and the TFSA (tax-free withdrawal) for first-time buyers in Canada.\",\"provider\":{\"@type\":\"FinancialService\",\"name\":\"Assur360 \u2014 Financial Comparison Platform\",\"url\":\"https:\/\/www.assur360.ca\/\"},\"feesAndCommissionsSpecification\":\"No fees via Assur360\",\"interestRate\":\"Variable by institution (1%-5%)\",\"areaServed\":{\"@type\":\"Country\",\"name\":\"Canada\"}}\n<\/script>\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px;line-height:1.8;color:#334155;\">The <strong>FHSA (Tax-Free<\/strong> First Home Savings Account) is the most advantageous tax regime ever created in Canada for first-time buyers. Launched in 2023, it combines the <strong>tax deduction of the RRSP<\/strong> and the <strong>tax-free withdrawal of the TFSA<\/strong> \u2014 a unique winning duo for those who want to buy their first home or condo. Here&#8217;s everything you need to know in 2026, with examples in Quebec with figures.  <\/p>\n\n<figure class=\"wp-block-image alignright size-medium is-resized is-style-rounded\" style=\"max-width:380px;margin:8px 0 16px 24px;\"><img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/05\/maison-quebec-vendue-assurance-hypothecaire.jpg\" alt=\"First home purchased with FHSA in Quebec\" class=\"wp-image-66883\" style=\"border-radius:12px;box-shadow:0 6px 20px rgba(13,31,45,0.12);width:380px;height:auto;max-width:100%;\"  sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption class=\"wp-element-caption\" style=\"text-align:center;color:#64748b;font-size:13px;font-style:italic;margin-top:8px;line-height:1.4;\">With the FHSA, you can accumulate your down payment while reducing your tax liability.<\/figcaption><\/figure>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">$8,000<\/div><div style=\"color:#64748b;font-size:13px;\">Annual cap<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">$40,000<\/div><div style=\"color:#64748b;font-size:13px;\">Lifetime cap<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">15 years<\/div><div style=\"color:#64748b;font-size:13px;\">Maximum duration<\/div><\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\"><div style=\"color:#10c4c7;font-size:28px;font-weight:800;margin-bottom:4px;\">$0<\/div><div style=\"color:#64748b;font-size:13px;\">Tax on withdrawal*<\/div><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-exactly-is-the-FHSA\"><\/span>What exactly is the FHSA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">The <strong>FHSA<\/strong> is a registered account of the Canadian federal government, accessible<sup>since April 1<\/sup> , 2023. It is specifically aimed at <strong>first-time home buyers<\/strong> and allows: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Tax deduction<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Every dollar contributed <strong>reduces your taxable income<\/strong> for the year, like an RRSP. Typical savings: 25 to 53% depending on your bracket. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83c\udfe0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Tax-free withdrawal<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">If used for the purchase of a <strong>qualifying first home<\/strong>, the withdrawal of principal + interest is completely tax-free.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\">\n    <div style=\"font-size:28px;margin-bottom:12px;\">\ud83d\udcc8<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">Sheltered growth<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The <strong>returns generated<\/strong> (interest, <strong>dividends, capital gains) are never taxed<\/strong>, regardless of the amount.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Are-you-eligible-for-an-FHSA\"><\/span>Are you eligible for an FHSA?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">To open an FHSA in Quebec or elsewhere in Canada, you must meet the <strong>following 4 criteria<\/strong> :<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">1. Be 18 to 71 years old<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">The minimum age is <strong>18 years old<\/strong> (19 years old in some provinces). The account must be closed in the year you turn 71. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">2. Canadian Resident<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You must be a <strong>tax resident of Canada<\/strong> to open and contribute to the FHSA. Also available in Quebec. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">3. First-time buyer<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You (or your spouse) <strong>have not lived in a principal residence that you owned<\/strong> in the last 4 calendar years.<\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:20px;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">4. Purchase intent<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">You plan to buy a property in Canada <strong>within 15 years<\/strong> of opening the account.<\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FHSA-Limits-2026-%E2%80%94-How-Much-to-Contribute\"><\/span>FHSA Limits 2026 \u2014 How Much to Contribute?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;\">Year<\/th>\n<th style=\"padding:14px 16px;text-align:left;\">Annual<\/th>\n cap<th style=\"padding:14px 16px;text-align:left;\">Maximum possible stacking<\/th>            \n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2023<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000<\/td>$<td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">8,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2024<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ deferral)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$16,000<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2025<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ deferral)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$24,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2026<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ deferral)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$32,000<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2027<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">$8,000 (+ Carry Forward)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$40,000 (MAX Lifetime)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Tip \u2014 postponable but limited<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Unlike the FHSA, the FHSA has a <strong style=\"color:#ffffff;\">maximum carry-forward limit of 1 year to $8,000<\/strong>. If you open your FHSA in 2026 without having contributed before, you can <strong style=\"color:#ffffff;\">only contribute $8,000<\/strong> in the first year (not $24,000 combined). <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Case-in-point%E2%80%94Tax-savings-in-Quebec\"><\/span>Case in point\u2014Tax savings in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Sarah, 28, lives in Montreal and earns <strong>$75,000\/year<\/strong>. She contributes <strong>$8,000<\/strong> to her FHSA in 2026. Here are its tax savings (QC marginal rate + combined federal ~38%):  <\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;\">Element<\/th>\n      <th style=\"padding:14px 16px;text-align:right;\">Amount<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2026 FHSA Contribution $<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;text-align:right;\">8,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Tax savings (38%)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;text-align:right;\">+$3,040<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">If 5 years of contribution max ($40,000)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;text-align:right;\">$40,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Total Tax Savings<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;text-align:right;\">+$15,200<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Estimated value with return 5%\/year<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;text-align:right;\">~$46,000<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Home Withdrawal (Tax-Free)<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;text-align:right;\">~$46,000<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FHSA + LIFE INSURANCE<\/p>\n  <h3 style=\"color:#ffffff;font-size:26px;margin:0 0 16px;\">Protect your purchase project with life insurance<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Are you saving to buy? Mortgage life insurance protects your family if the unexpected happens beforehand.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Free life quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">Talk to an advisor<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Where-to-open-an-FHSA-in-Quebec\"><\/span>Where to open an FHSA in Quebec?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;\">Major financial institutions offer FHSAs in Quebec. Here are the most popular options in 2026, with their peculiarities: <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe6 Desjardins FHSA<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Available at the cash register or via Acc\u00e8sD. Fees depending on the account. Ideal for those who prefer local French-speaking support.  <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83d\udcbb Wealthsimple FHSA<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">100% online, with no brokerage fees. Ideal for those who want a passive portfolio (ETF) with minimal fees. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe6 National Bank FHSA<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Available in store and online. Good choice for existing NBC customers. <\/p><\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:24px;\"><h3 style=\"color:#0d1f2d;font-size:17px;margin:0 0 10px;\">\ud83c\udfe6 FHSA other banks<\/h3><p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">BMO, RBC, TD, CIBC, Scotia also offer the FHSA. Compare the <strong>fees<\/strong> and the <strong>interest rate<\/strong> offered. <\/p><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FHSA-vs-TFSA-vs-RRSP-%E2%80%94-Which-is-better\"><\/span>FHSA vs TFSA vs RRSP \u2014 Which is better?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead><tr style=\"background:#0d1f2d;color:#ffffff;\">\n      <th style=\"padding:14px 16px;text-align:left;\">Criterion<\/th>\n      <th style=\"padding:14px 16px;text-align:center;\">FHSA<\/th>\n      <th style=\"padding:14px 16px;text-align:center;\">TFSA<\/th>\n      <th style=\"padding:14px 16px;text-align:center;\">RRSP<\/th>\n    <\/tr><\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Tax Deduction<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 YES<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#ef4444;\">\u2717 NO<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#10c4c7;font-weight:700;\">\u2713 YES<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Tax-free withdrawal<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 (purchase of 1st<sup> property)<\/sup><\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2713 Always<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;color:#ef4444;\">\u2717 Taxed on withdrawal<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">2026 Annual Cap<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$8,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">$7,000<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Revenue (max ~$33k)<\/td><\/tr>\n      <tr style=\"background:#ffffff;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Restrictions on use<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#ef4444;text-align:center;\">Purchase of property<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">None<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">Ideal retirement (HBP possible)<\/td><\/tr>\n      <tr style=\"background:#f8fafc;\"><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;\">For first-time buyer<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;text-align:center;font-weight:700;\">\u2605\u2605\u2605\u2605\u2605<\/td> <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605<\/td><td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;text-align:center;\">\u2605\u2605\u2605 (HBP)<\/td><\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p class=\"wp-block-paragraph\" style=\"color:#334155;line-height:1.7;text-align:center;font-style:italic;\"><a href=\"https:\/\/www.assur360.ca\/celiapp-vs-celi-vs-reer\/\">\u2192 See the complete comparison FHSA vs TFSA vs RRSP<\/a><\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions-about-FHSA\"><\/span>Frequently asked questions about FHSA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between CELIAPP and RAP (Home Buyers&#8217; Plan)?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The <strong>RAP<\/strong> allows you to borrow from your RRSP (max $60,000) to buy your first home, to be repaid over 15 years. The <strong>CELIAPP<\/strong>, on the other hand, does not have to be repaid \u2014 the withdrawal is permanent and tax-free. <strong>You can combine both<\/strong> to accumulate up to $100,000 for a down payment ($40,000 CELIAPP + $60,000 RAP).<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What happens if I don&#8217;t buy a property?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">You have <strong>15 years<\/strong> from the opening of the CELIAPP, or until you are 71 years old (whichever comes first), to buy. Otherwise, you can <strong>transfer the balance to your RRSP without penalty<\/strong> (it does not reduce your RRSP contribution room). Or withdraw it by paying tax on the amount.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I contribute to my spouse&#8217;s CELIAPP?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. <strong>Each person must open their own CELIAPP<\/strong>. But if you buy together, you can each have a CELIAPP \u2014 <strong>so $80,000 combined for a couple<\/strong>. Tip: open both as soon as possible to maximize the contribution.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What interest rates do institutions offer on the CELIAPP?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The rate varies by institution and product chosen. <strong>CELIAPP savings account<\/strong>: 1-3% typical at major banks, up to 4-5% on promotion. <strong>CELIAPP investment (ETFs, funds, stocks)<\/strong>: potential return 5-8%\/year but with volatility. Wealthsimple often offers the best pure savings rates.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Which CELIAPP to choose: savings account or investment?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">If you plan to buy <strong>within 3 years<\/strong>: choose a <strong>CELIAPP savings account<\/strong> (capital protected, predictable interest rate). If you plan to buy <strong>in 5-15 years<\/strong>: opt for a <strong>CELIAPP investment<\/strong> with diversified ETFs \u2014 the potential for return compensates for the volatility over this horizon.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">CELIAPP in Quebec \u2014 are there tax differences?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The CELIAPP is a <strong>federal<\/strong> program, but Quebec recognizes the tax deduction at the provincial level \u2014 so you get a <strong>double deduction<\/strong> (federal + Quebec). This is great news: tax savings of 38-53% depending on your bracket, higher than in other provinces.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How to withdraw my CELIAPP to buy a house?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">At the time of purchase, you fill out the <strong>RC725 form<\/strong> (CRA) and present your signed <strong>purchase agreement<\/strong>. The financial institution makes the tax-free withdrawal and sends it to you. You then have <strong>until October 1<sup>st<\/sup> of the following year<\/strong> to acquire the property.<\/div><\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\"><summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What protection should I have with my CELIAPP?<\/summary><div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Beyond savings, two protections are strategic: (1) a <strong><a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\">term life insurance<\/a><\/strong> covering the future mortgage loan (often cheaper than the bank&#8217;s), and (2) a <strong><a href=\"https:\/\/www.assur360.ca\/assurance-invalidite\/\">disability insurance<\/a><\/strong> to protect your ability to continue contributing and repaying if you are unable to work.<\/div><\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between CELIAPP and RAP?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The RAP allows you to borrow from your RRSP (max $60,000) to be repaid over 15 years. 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You get the double deduction (38-53% depending on bracket).\"}}]}\n<\/script>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-pages-to-better-plan-your-purchase\"><\/span>Related pages to better plan your purchase<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/celiapp-vs-celi-vs-reer\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">FHSA vs TFSA vs RRSP<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Detailed comparison to choose the right plan for your situation.<\/p><\/a>\n  <a href=\"\/comparer-regimes-epargne-fiscaux\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Tax-Advantaged Savings Plan Simulator<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Calculate the optimal choice among 6 plans based on your profile.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-hypothecaire\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Mortgage Insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Bank vs personal life insurance: 2026 comparison.<\/p><\/a>\n  <a href=\"https:\/\/www.assur360.ca\/assurance-vie\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\"><h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">Life Insurance<\/h3><p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your home buying project starting at $18\/month.<\/p><\/a>\n<\/div>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why use Assur360 to plan your FHSA?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner platform of <strong>AMF-certified<\/strong> firms<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">Partner firms <strong>that are members of the Chamber of Insurance<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100,000+<\/strong> submissions processed<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span> <span style=\"color:#334155;font-size:14px;\">Service in <strong>French in Quebec<\/strong><\/span><\/div>\n  <\/div>\n<\/div>\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financial Services\",\"item\":\"https:\/\/www.assur360.ca\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"FHSA\",\"item\":\"https:\/\/www.assur360.ca\/celiapp\/\"}]}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>FHSA 2026 \u2014 Tax-Free Home Savings Account | Assur360 The FHSA (Tax-Free First Home Savings Account) is the most advantageous tax regime [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":71306,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"FHSA 2026 \u2014 Limit, Withdrawal, Calculation | Complete Guide to Assur360","_seopress_titles_desc":"FHSA in Quebec: cap $8,000\/year, $40,000 for life, tax deduction + tax-free withdrawal. 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