Skip to content

Province · Buying your first home in Canada

First-time home buyer programs in New Brunswick

New Brunswick does not offer a land transfer tax rebate for first-time buyers, but runs an income-gated Homeownership Assistance Program providing long-term loans. A separate program supports off-reserve Indigenous buyers.

Reviewed by Ben Stevenson, Managing Editor, Canadian Money Help Updated April 20, 2026 Methodology
Up to $75,000 HAP loan
$40,000 Income ceiling (HAP)
0.5% of greater of purchase price or assessed value Land transfer tax

Provincial programs

Homeownership Assistance Program (HAP)

25-year loans of up to $75,000 for first-time buyers with household income of $40,000 or less. Interest-free if income is under $30,000.

Eligibility

  • First-time buyer
  • Household income $40,000 or less
  • Home is in New Brunswick and primary residence

Form: Apply via NB Housing

Off-Reserve Aboriginal Home Ownership Program (ORAH)

25-year loans with affordable interest rates for Indigenous New Brunswick residents buying or building a first home.

Eligibility

  • Indigenous resident of New Brunswick
  • Household income $55,000 or less
  • Shelter-cost-to-income ratio no higher than 32%

Form: Apply via NB government

Estimate your land transfer tax

Stacking with federal programs

New Brunswick buyers should lean on the federal FHSA, HBP, and HBTC stack. HAP eligibility is narrow; for buyers above its income ceiling, the federal programs do the heavy lifting.

See all federal programs and stages →