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Loan-to-Value Ratio (LTV) improvement through RRSP Home Buyers' Plan allows first-time buyers withdrawing up to $35,000 tax-free individually or $70,000 combined for couples, potentially dropping LTV by 10-15% on average Canadian homes. est Mortgage Online explains how increased down payments naturally reduce LTV calculations while opening flexible mortgage products and reducing monthly carrying costs.<br><br>https://bestmo.ca/loan-to-value-ratio/
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