FHSA, HBP, and other first time home buyer incentives: do their stipulations apply to vacant land never lived in?

Housing

Consider this hypothetical scenario:

  • Someone wants to buy their first house (a detached home). They have leveraged their FHSA, their RRSPs with the intention of utilizing the HBP, and they hope to utilize other available first time home buyer's incentives. Their timeline for purchasing this house is within the next 6-12 months.

  • The same individual wants to buy a small piece of vacant residentially-zoned land first, completely separate from their plan for purchasing a house. For the vacant land, they don't want to leverage any first time home buyer incentives—they won't use their FHSA, they won't use the HBP, etc. Their horizon for this purchase is within the next 3 months.

If the vacant land is purchased first, and the individual does not dwell on or build a dwelling on that land, will they still qualify as a "first time home buyer" for the detached house purchase?

Posted Nov 5, 2025, 1:53 AM UTC

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