André Pierre Smit

André Pierre Smit

Sales Representative

Realty Executives Plus Ltd., Brokerage*

Mobile:
416-898-2852
Office:
905-337-7001
Email Me

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Government programs can save you thousands and make homeownership more affordable. With expert guidance from , you can take full advantage of these opportunities and find your dream home faster.

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Answer 3 quick questions to find out which programs may apply to you.

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Note: Eligibility may vary. Please check official sites for full details

Start exploring homes with our Dream Home Finder and make the most of the programs you may qualify for.

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Have Questions?

Home Buyer’s Plan (HBP)

The HBP allows you withdraw up to $60,000 from your RRSP tax-free to buy or build your first home. You'll have up to 15 years to repay the funds, starting the second year after withdrawal.

Tips

If buying with a partner, each of you can withdraw $60,000, for a combined $120,000 toward your down payment.

Looking for help with Home Buyer’s Plan application?

Who is eligible?
  • Canadian resident
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Have a written agreement to buy or build a qualifying home
  • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Check Out Some of ’s listings that could qualify for the Home Buyer’s Plan.

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First-Home Savings Account (FHSA)

The FHSA is a registered plan that combines the benefits of an RRSP and TFSA — tax-deductible contribution and tax-free withdrawal for your first home. You can contribute up to $8,000 per year, with a lifetime maximum of $40,000.

Who is eligible?
  • Canadian resident
  • 18 to 71 years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • When making a withdrawal:
    • Have a written agreement to buy or build a qualifying home
    • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Looking for help with First Home Savings Account?

Tips

Open FHSA early in the year to maximize your annual contributions and investment growth.

Government Programs for Home Buyers


Maximize Your First Home Budget

Curious how to combine the HBP with the FHSA to boost your down payment? Connect with today to build the best strategy for your first home

 

 

 

 

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Having spent a combined 20 years in senior operational management for the world's most
recognizable brand, Coca-Cola and the world's largest retailer, Wal-Mart, and another 15
years in senior management in a wide variety of industries, I have cetainly got to appreciate
what world class customer / client sevice is all about. 
 
My accounting background, well honed negotiation skills and perseverance trait, picked up
over this period, helped me become a very successful realtor in South Africa, and later in
Canada.
My family, consisting of a wife, a son and two daughters, settled in the beautiful town of
Oakville after our arrival in our newly adopted country, from South Africa, at the end of 2002.
As such, I am eager to offer advice on the numerous challenges faced by new immigrants
and first time home buyers in this great country. 
 
As an avid fisherman, I have also leant that it takes a lot of patience and skill, before landing
the big one. 
 
I am really enjoying working with all the fine executive realtors at Realty Executives, in order
to continue to offer my existing and new clients my unparalleled, personalized, world class,
professional sevice. Where you won't just be a statistic!


Designation: B.Com., MBA

Education: B.Com (University of Natal) MBA (University of South Africa)

Speciality: Residential

Years of Experience: 20

Awards: Outstanding Achievement Award Winner - 2019 & 2023, 100% Club Award Winner - 2020 & 2021

Area Covered: Halton, Peel, Toronto, Hamilton, Waterloo & Niagagra

Languages Spoken: Afrikaans, English



Have Questions?

Land Transfer Tax Rebates

The LTT is a provincial and/or municipal tax paid when purchasing a property. Some provinces offer rebates for first-time home buyers

Looking for help with your Land Transfer Tax Rebate application?

Who is eligible?
  • Canadian citizen and permanent resident
  • 18+ years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Plan to occupy the home as your principal residence within 9 months
How much can you get?
  • Ontario: Up to $4,000
  • Toronto: Up to $4,475 in addition to the Ontario rebate
  • British Columbia: Full exemption for homes up to $500,000
  • Other provinces vary; check your local rules

Estimate your land transfer tax in seconds. Use our Land Transfer Tax Calculator to see how much tax you’ll pay and any potential rebate you may qualify for.

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Have your Land Transfer Tax figured out?

Receive updates on newly listed properties in your area and make your next move easier.

Home Buyer’s Amount (HBA)

Also known as the First-Time Home Buyers’ Tax Credit (HBTC), this on-refundable tax credit helps with closing costs. You can claim up to $10,000, which translates to a maximum tax reduction of $1,500.

Who is eligible?
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Bought a qualifying home in Canada
  • Plan to occupy the home as your principal residence within one year of purchase
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detached homes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

See how has helped clients turn their homeownership dreams into reality. Get in touch today to start your own journey.

 

TESTIMONIALS

  • This is the first time we have placed a home on the market in Ontario, and from the beginning we received careful and detailed guidance from André.  At no time did we experience any undue pressure. He also went out of his way to help us meet practical needs, such as disposing of unwanted items as we prepared for an international move. From our initial conversation to the final legal closing, Andre achieved a totally comfortable and happy time for us.

    Elizabeth & David Cuthbert, Oakville
  • We are very grateful that André helped us to find a very nice house in a good neighborhood. We are really happy with his service, it's excellent! We highly recommend him to anybody requiring the services of a great realtor! 

    Josefina & Gerardo Legaspi, Mississauga
  • Selling your home is mentally and emotionally exhausting, and André took a lot of the burden from me, by handling small or large details. I don't think I would have gotten through the whole process without his help. He was always there for me. I highly recommend him for his professional attitude, experience and loyalty. He also has a great sense of humor! 

    Nancy Neil, Oakville
  • We have worked with Andre on two occasions and found that his in-depth knowledge of the real estate profession, market and financial acumen, enabled him to give us absolutely outstanding service. We highly recommend Andre to provide you with a full range of value added real estate services, and guarantee that you will be completely satisfied. 

    Jeanette & Martin Scholtz, Oakville
  • As first time buyers in Canada, André helped us find the right home. His dedication and perseverance, made the transition form tenants to home owners, seamless and painless. I will recommend his services without any reserve.

    Naveed Iqbal, Mississauga
  • André helped me find my first apartment, and negotiated a great price for me. He also assisted me with all the documents and arrangements, right up until I received my keys.

    Greg Smit, Oakville
  • We had had our home on the market for 9 months, without any success, until André offered to market it for us. Due to his hard work and professionalism, he managed to find us a great cash buyer within 3 weeks.

    David Coxwell, Pinelands, South Africa
  • André worked with us to successfully market our rather unusual home. I can only recommend him to any future buyers and sellers, as a true caring and professional realtor.

    Lars Lundstrom, Pinelands, South Africa
  • He won our confidence early in the journey, with his calm and assertive demeanor, which is rooted in a varied business career and profound knowledge of the real estate industry.

    We would not hesitate to recommend André to anyone who would consider making use of his services.

    Christel & Frederick Kirstein, Oakville
  • André helped us purchase our first home. He was absolutely wonderful to work with. 10/10!

    Mary Pudjowargono, Milton
  • André was a huge help in the search for our first home. Almost 1 year in and we feel so great about our purchase. Thank you for making the process so easy!

    Brooke Chouinard, Oakville
  • Andre has been so helpful and kind. He always has the answers and has gone above and beyond. I am so grateful for his help and expertise.

    Laura Strickland, Grimsby
  • Great guy! Always takes care of his clients. Highly recommend to anyone!

    Paul Harris, Mississauga
  • We were impressed by André's contract review and negotiation abilities. He is an expert in maneuvering through the myriad of situations that can arise during the selling process and finding amiable solutions. He also uses the latest technology available which made the whole process easy and seamless.

    Cheryl Mucha, Markham
  • I was nervous about relocating to a new city, but André's knowledge and reassurance put my mind at ease. He committed to finding us our perfect home. He was patient, spent the time and reviewed all of our options. The whole process went very smoothly and we ended up with a great home at a great price for our family. I highly recommend André.

    Lorrie Emmerson, Barrie
  • I have to give Andre Smit high praise as a real estate agent.  He sold my house in record time and found me the perfect house which suited all my requirements. 

    He made time for anything that arose and completed the whole process in a manner that only a highly skilled agent could achieve.

    Rosalind Tamai, Oakville
  • Andre was our agent to not only purchase our home in Burlington, which we lived in for 12 happy years, but also to sell our home. He’s very professional, knows the industry very well and would recommend him to any seller.

    Tiina Kamagianis, Burlington
  • Andre is professional and I would highly recommend him if you are looking to buy or sell a house. Andre goes the extra mile for you and you always feel important. Keep up the great work Andre!

    Gregory Smit, Ayr
  • Using André was the right choice! 
    We encountered many difficult situations during our transaction and André was there to help us through them all.
    André is truly a full service realtor. He made sure our experience was a great one and I recommend him to everyone I know who is looking to buy or sell a home.

    Marc Bond, Burlington
  • André is a superb agent, from one realtor to another, easy to deal with, and the utmost professional.

    Matt Busch, Burlington
  • Thank you, Andre , for all the help selling my home and finding the perfect one to replace it.
    I’m so great full for all that you have done to make everything go smoothly for me.
    I’m Glad that you were in my corner to get me through some of the problems that occurred.
    I’ve told everyone that I talk to, that you are very patient, kind and professional about everything you are doing. I have recommended you to all my friends and family.
     

    Marie Bond, Burlington
  • We have had a great experience working with Andrè, he helped us with buying our first home. He's very knowledgeable, professional and trustworthy. I would highly recommend Andrè to anyone looking to buy or sell a property.

    Esraa Salih, Mississauga
  • André was a wonderful help in finding my perfect home. Goes over and above what he needs to do and made buying my first home very easy, was able to answer all my questions and shared his knowledge about houses and the market with me. If you are buying your first home or your 50th André is sure to make it a great experience!

    Samantha de Jager, Welland
  • André was patient, kind and showed an excellent sense of humor. We went through a number of scenarios and eventually the one that he recommended was the one we used. It resulted in an excellent number of visits and a great selling price.

    I also happen to recommend André to one of my relatives and she was very pleased also with her results. I highly recommend André for anyone who is looking for someone to take the time and ensure the customer comes first!

    Leigh Davis, Mississauga
  • Andre was extremely informative, reliable, trustworthy and competent with excellent communication skills. The sale of my mothers home was handled quickly and drama-free. His calming nature made the whole process stress free. I would highly recommend him.

    Christine Grah, Mississauga

CMHC Improvements (Purchase Plus Improvements)

The CMHC Improvement program lets you add eligible renovation costs to your mortgage — up to 10% of the improved value of the home Market value after renovations. . Ideal for buying a fixer-upper or upgrading immediately without a separate loan.

Tips

For owner-built or rental properties, you may qualify for construction financing or small rental loans under different rules.

Sign up for Neighborhood Buzzer to get updates on homes with renovation potential

Who is eligible (1- 2 unit owner-occupied properties)?
  • Canadian citizen, permanent resident, or non-permanent resident with a valid work permit
  • Minimum credit score of 600
  • Purchase price under $1,500,000
  • Minimum down payment: 5% on first $500,000 + 10% on the remainder
  • Maximum amortization period: 25 years
Note: Eligibility criteria vary for 3 - 4 unit owner-occupied properties
What homes qualified?
  • Located in Canada
  • Suitable for full-time, year-round occupancy
  • Must have year-round access

GST/HST New Housing Rebate

The rebate allows you recover a portion of the GST or HST paid on a new or substantially renovated home.

Who is eligible?
  • Bought from a builder, built your own home, or completed major renovations
  • Primary residence for you or a close family member
How much can you get?
  • Federal portion: Up to 36% of the GST paid, to a maximum of $6,300
  • Provincial portion: Varies by province. For example, you can get up to $24,000 in Ontario

Looking for help with your GST/HST New Housing Rebate application?

 

Have Questions?