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The Home Buyers' Plan allows qualifying participants to withdraw money from their RRSP to buy or build a home without being taxed on the withdrawal. Participants then pay back the money into their RRSP over a specified period of time.

To request a RRSP withdrawal to buy or build a qualifying home

  1. Make sure you meet all conditions for HBP.
  2. Complete Form T1036 as per instructions, print and sign.
  3. Send the form by mail to the following address:

      Outlook Financial
      Box 2, Station Main
      Winnipeg MB R3C 2G1

Important Notes:

  • Fixed GICs are not eligible for early redemption and must remain invested until the expiry of the selected term.
  • Withdrawals from Cashable GICs (in whole or in part) made prior to the maturity date will earn the early-withdrawal interest rate (1%) on the funds withdrawn, calculated back to the date of deposit. The remainder of the Cashable GIC will continue to earn its regular rate of interest.
  • Partial withdrawals from your Cashable GICs are subject to a $1000 minimum withdrawal amount and a minimum remaining balance of $1000.
  • Your request will be completed within 1 business day of receipt of the completed form. Log in to online banking to verify your withdrawal.

For more information, eligibility rules, and application forms, visit the Government of Canada's website page, Home Buyers' Plan (HBP).

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Rates effective
Mar 19, 2024

  • 3.60% Savings
  • 5.20% 1 Year Term
  • 4.60% 5 Year Term
View all rates