Hello, I sold my place overseas and am now looking to buy in Toronto. As a first time homebuyer, I believe that I get a little discount on the land transfer tax as well as that I can borrow up to 25k from my RRSP to use as part of my downpayment. I am aware that the latter only works if I pay those 25k back over a number of years according to the rules. My mortgage "specialist" tells me that I am not eligible for either because I am not a first time homebuyer. It is correct that I previously purchased a home, but this was not in Canada and it would be my first time in Canada and taking advantage of the above mentioned benefits. I think she just cannot be bothered to do the paperwork, but wanted to ask here what the rules are. Many thanks!