NC
Nicole Copp
Research Lead
Nicole is the Research Lead at First Home Ontario. As a local real estate investor and data analyst with education in home appraisals, she has followed the Ontario real estate markets for 13 years. She oversees our research, data, and tool development to ensure every first-time buyer has access to institutional-grade transparency.
Recent Contributions18
Market UpdateMar 27, 2026
Does the $130,000 Ontario HST Rebate Apply to New Duplexes and Rental Properties?
Market UpdateMar 25, 2026
Ontario Expands HST Rebate to All New Home Buyers: Up to $130,000 in Savings — What You Need to Know
Market UpdateMar 7, 2026
Ontario Finance Minister Hints at Accelerated HST Match Timeline
Core Manual
The Ultimate New Home Buyer Checklist for Ontario (2026)
Core Manual
Home Buyers' Plan (HBP): Using Your RRSP for a Down Payment
Core Manual
Navigating Your First Home Purchase in Ontario: FHSA, Mortgages & Inspections
Core Manual
The FHSA + Home Buyers' Plan Stack: How to Access $200,000 Tax-Free
Core Manual
Ontario Mortgage Stress Test Calculator & Rules (March 2026 Update)
Core Manual
How to Negotiate Capped Development Charges
Core Manual
Understanding CMHC Mortgage Insurance
Core Manual
Ontario New Home Buyer Timeline: Step-by-Step Guide for 2026
Core Manual
The High Cost of Development Charges in Toronto
Core Manual
Uncapped vs. Capped Levies: What to Negotiate in Your APS
Core Manual
The 10-Day Cooling-Off Period: 5 Things You MUST Do
Core Manual
How to Budget for Closing Costs on a $1M Toronto Condo
Core Manual
Are Townhomes the Best FTB Investment in Waterloo Region?
Core Manual
Why You Need a Specialized Real Estate Lawyer for Pre-Construction
Core Manual