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1/ HST applies to all real estate sales - False - HST  does not apply to the sale of homes that are previously occupied.  On new homes there are a series of rebates to reduce the impact of HST 

2/ You can’t buy with “0” down - False - If you have very good credit you can borrow the amount for the down payment and be “0”  down.  

3/ All fixed term mortgage penalties are 3 months - False - The minimum penalty is usually 3 months but could also be  an “interest rate differential” That is the difference in interest the bank would earn over the balance of the term less the current rate. We have seen many of these penalties in excess of $20,000. These penalties can be avoided by “porting” your mortgage to your new residence.

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