Get closer to home ownership with the new CIBC Investment FHSA

Get tax benefits

Your FHSA contributions may reduce your taxable income. You can contribute up to $8,000 annually and up to $40,000 over your lifetime.  

Learn more about the FHSA contribution limits

Grow your savings, tax-free

You won’t pay taxes on your eligible FHSA contributions. Plus, any investment income earned while the money is in your plan is also non-taxable, helping you save for home ownership.

Use your savings, tax-free 

Pay no taxes on your withdrawals when you use your FHSA towards the purchase of a qualifying home. 

CIBC Investment FHSA at a glance

What is the CIBC Investment FHSA?

A registered plan that allows you to hold a variety of investments and assets including cash, CIBC Savings, CIBC Non-Redeemable GICs and CIBC Mutual Funds.

Contributions and limits


15 Years



Learn more about the FHSA

Learn more about the FHSA at CIBC

What investments can I hold in my FHSA?

First home savings account (FHSA)

CIBC Non-Redeemable GIC

Earn predictable returns while you save for home ownership. You’ll get 100% of your original investment back, plus interest earned, at the end of the term.

First home savings account (FHSA)

CIBC Savings

Easily access your money and earn high interest. Your original investment is guaranteed and you can switch to different investments including GICs and mutual funds.

All registered plans

CIBC Mutual Funds

Diversify your portfolio to meet your home ownership goals. With the help of your CIBC advisor, choose the CIBC mutual funds or CIBC portfolio solution that’s right for you.

New to Canada?

You may be eligible to use the FHSA to save for your first home. You’ll need to be a Canadian resident for tax purposes with either a Social Insurance Number (SIN) or a temporary SIN. You also need to be considered a "first time homebuyer", which means that during the current or last 4 calendar years you haven't lived in a "qualifying home" that you owned or jointly owned. 

Learn more about opening an FHSA as a newcomer

CIBC Investment Accounts are offered by CIBC Securities Inc. and CIBC Investor Services Inc., subsidiaries of CIBC.