Your First Home in Nova Scotia
A plain-language roadmap from 'I think I'm ready' to keys in hand — built for Nova Scotia buyers.
A plain-language roadmap from 'I think I'm ready' to keys in hand — built for Nova Scotia buyers. This 8-phase checklist walks you through credit, down payment options, pre-approval, house hunting, making an offer, conditions, closing, and life after closing.
Key Tips
Aim for a credit score of 630+ for most mortgage programs
Standard insured mortgages require just 5% down on homes under $500,000
The NS First-Time Homebuyers Pilot Program allows as little as 2% down via participating credit unions
Explore FHSA, RRSP Home Buyers' Plan, and DPAP for down payment sources
The First-Time Home Buyers' Tax Credit can return up to $1,500 at tax time
Budget for closing costs: legal fees (~$1,200–$1,800), Deed Transfer Tax (0.5%–1.5%), title insurance, and inspection
Your Checklist
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