If you haven’t heard yet, mortgage rates have come down since last year, and to top it off, there are new tax reliefs for Canadians. All these shifts have definitely taken some pressure off financially and created the perfect opportunity for you to step into homeownership. Now, don’t beat yourself up if you are far behind on saving for those upfront homebuying expenses. With the help of a down payment assistance program, you can speed up your journey by reducing the amount you need to save on your own.