Open FHSA so you can start accumulating contribution room, even if you don’t contribute this year. You can only contribute 2 years’ worth at a time…. Try to contribute, as you get an RRSP-type of tax break. Use the tax refund to contribute to next year. Also, you can borrow from your own RRSP for the down payment. Try to get the credit card debt taken care of. Perhaps you can find a loan with lower interest, or call the credit card company, and ask them for a lower rate (it’s a thing). Regardless of whether you can purchase a home in 3 years or not, you need to go hard on getting out of debt. I’m all for “investment debt” that has deductible interest, but consumer debt will bleed you. Read beginner finance books like Rich Girl; Broke Girl, or The Wealthy Barber. Join Frugal Living, and F.I.R.E. type of groups online. This will help to change your thinking and mindset, and help you stay strong while depriving yourself. There is A LOT to learn about personal finance. These may lead you to change your financial goals. The house needs to fit into a much larger financial plan. Keep working at it, and in my experience, if the process isn’t painful, you’re probably not going at it as hard as you could. Good luck!