Luke  Menkes

Luke Menkes

Sales Representative

Sutton Centre Realty, Brokerage*

Mobile:
778-402-6743
Office:
604-435-9477
Email Me

Unlock Home Buyer Programs with Luke Menkes

Government programs can save you thousands and make homeownership more affordable. With expert guidance from Luke Menkes , you can take full advantage of these opportunities and find your dream home faster.

Discover Your Eligible Home Buyer Programs

Answer 3 quick questions to find out which programs may apply to you.

You may qualify for

 

Note: Eligibility may vary. Please check official sites for full details

Start exploring homes with our Dream Home Finder and make the most of the programs you may qualify for.

We didn't find a match in our current list of programs and rebates.

But don't worry — our list doesn't include every program across all provinces, and eligibility can vary, so you may still have options available.

Use our Dream Home Finder to explore homes today and be ready for opportunities when programs become available.

or share your results with Luke Menkes to confirm your eligibility and find the best savings.

Or send your results to Luke Menkes to review your situation and find more ways to save on your home.

 

Have Questions?

Home Buyer’s Plan (HBP)

The HBP allows you withdraw up to $60,000 from your RRSP tax-free to buy or build your first home. You'll have up to 15 years to repay the funds, starting the second year after withdrawal.

Tips

If buying with a partner, each of you can withdraw $60,000, for a combined $120,000 toward your down payment.

Looking for help with Home Buyer’s Plan application?

Who is eligible?
  • Canadian resident
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Have a written agreement to buy or build a qualifying home
  • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Check Out Some of Luke Menkes ’s listings that could qualify for the Home Buyer’s Plan.

  • Featured Listing 201 Mail Road Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    201 Mail Road
    53Kelowna
    $1,949,500 Read More
  • Featured Listing 2330 Butt Road Unit# 407 West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    2330 Butt Road Unit# 407
    32West Kelowna
    $549,000 Read More
  • Featured Listing 772 Kuipers Crescent Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    772 Kuipers Crescent
    54Kelowna
    $1,399,000 Read More
  • Featured Listing 1626 Water Street Unit# 2809 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    1626 Water Street Unit# 2809
    22Kelowna
    $1,099,999 Read More
  • Featured Listing 238 Leon Avenue Unit# 1904 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    238 Leon Avenue Unit# 1904
    22Kelowna
    $829,999 Read More
  • Featured Listing 238 Leon Avenue Unit# 2401 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    238 Leon Avenue Unit# 2401
    22Kelowna
    $1,799,999 Read More
  • Featured Listing 1626 WATER Street Unit# 3207 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    1626 WATER Street Unit# 3207
    32Kelowna
    $1,479,999 Read More
  • Featured Listing 1179 Westside Road Lot# 12 West Kelowna British Columbia Canada Sale commercial Luke Menkes Sutton Centre Realty, Brokerage*
    1179 Westside Road Lot# 12
    West Kelowna
    $625,000 Read More
  • Featured Listing 1179 Westside Road Unit# Lot 3 L West Kelowna British Columbia Canada Sale commercial Luke Menkes Sutton Centre Realty, Brokerage*
    1179 Westside Road Unit# Lot 3 L
    West Kelowna
    $525,000 Read More
  • Featured Listing 500 Lester Road Unit# 6 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    500 Lester Road Unit# 6
    32Kelowna
    $459,000 Read More
  • Featured Listing Lot B Gregory Road West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    Lot B Gregory Road
    West Kelowna
    $558,000 Read More
  • Featured Listing 2449 Last Road West Kelowna British Columbia Canada Sale commercial Luke Menkes Sutton Centre Realty, Brokerage*
    2449 Last Road
    West Kelowna
    $219,000 Read More
  • Featured Listing 3000 Ariva Drive Unit# 3405 West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    3000 Ariva Drive Unit# 3405
    33West Kelowna
    $999,900 Read More
  • Featured Listing 2210 Louie Drive Unit# 89 West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    2210 Louie Drive Unit# 89
    22West Kelowna
    $529,900 Read More
  • Featured Listing 1045 Sutherland Avenue Unit# 214 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    1045 Sutherland Avenue Unit# 214
    22Kelowna
    $349,900 Read More
  • Featured Listing 945 Lawrence Avenue Unit# 308 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    945 Lawrence Avenue Unit# 308
    22Kelowna
    $429,000 Read More

First-Home Savings Account (FHSA)

The FHSA is a registered plan that combines the benefits of an RRSP and TFSA — tax-deductible contribution and tax-free withdrawal for your first home. You can contribute up to $8,000 per year, with a lifetime maximum of $40,000.

Who is eligible?
  • Canadian resident
  • 18 to 71 years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • When making a withdrawal:
    • Have a written agreement to buy or build a qualifying home
    • Plan to occupy the home as your principal residence within one year of purchase or build
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detachedhomes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

Looking for help with First Home Savings Account?

Tips

Open FHSA early in the year to maximize your annual contributions and investment growth.

Ready to See What Fits Your Budget? Explore Luke Menkesfeatured listings to understand price ranges and plan your home-buying budget.

  • Featured Listing 201 Mail Road Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    201 Mail Road
    53Kelowna
    $1,949,500 Read More
  • Featured Listing 2330 Butt Road Unit# 407 West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    2330 Butt Road Unit# 407
    32West Kelowna
    $549,000 Read More
  • Featured Listing 772 Kuipers Crescent Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    772 Kuipers Crescent
    54Kelowna
    $1,399,000 Read More
  • Featured Listing 1626 Water Street Unit# 2809 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    1626 Water Street Unit# 2809
    22Kelowna
    $1,099,999 Read More
  • Featured Listing 238 Leon Avenue Unit# 1904 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    238 Leon Avenue Unit# 1904
    22Kelowna
    $829,999 Read More
  • Featured Listing 238 Leon Avenue Unit# 2401 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    238 Leon Avenue Unit# 2401
    22Kelowna
    $1,799,999 Read More
  • Featured Listing 1626 WATER Street Unit# 3207 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    1626 WATER Street Unit# 3207
    32Kelowna
    $1,479,999 Read More
  • Featured Listing 1179 Westside Road Lot# 12 West Kelowna British Columbia Canada Sale commercial Luke Menkes Sutton Centre Realty, Brokerage*
    1179 Westside Road Lot# 12
    West Kelowna
    $625,000 Read More
  • Featured Listing 1179 Westside Road Unit# Lot 3 L West Kelowna British Columbia Canada Sale commercial Luke Menkes Sutton Centre Realty, Brokerage*
    1179 Westside Road Unit# Lot 3 L
    West Kelowna
    $525,000 Read More
  • Featured Listing 500 Lester Road Unit# 6 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    500 Lester Road Unit# 6
    32Kelowna
    $459,000 Read More
  • Featured Listing Lot B Gregory Road West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    Lot B Gregory Road
    West Kelowna
    $558,000 Read More
  • Featured Listing 2449 Last Road West Kelowna British Columbia Canada Sale commercial Luke Menkes Sutton Centre Realty, Brokerage*
    2449 Last Road
    West Kelowna
    $219,000 Read More
  • Featured Listing 3000 Ariva Drive Unit# 3405 West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    3000 Ariva Drive Unit# 3405
    33West Kelowna
    $999,900 Read More
  • Featured Listing 2210 Louie Drive Unit# 89 West Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    2210 Louie Drive Unit# 89
    22West Kelowna
    $529,900 Read More
  • Featured Listing 1045 Sutherland Avenue Unit# 214 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    1045 Sutherland Avenue Unit# 214
    22Kelowna
    $349,900 Read More
  • Featured Listing 945 Lawrence Avenue Unit# 308 Kelowna British Columbia Canada Sale residential Luke Menkes Sutton Centre Realty, Brokerage*
    945 Lawrence Avenue Unit# 308
    22Kelowna
    $429,000 Read More

Government Programs for Home Buyers


Maximize Your First Home Budget

Curious how to combine the HBP with the FHSA to boost your down payment? Connect with Luke Menkes today to build the best strategy for your first home

 

 

 

 

Read More

Experienced Negotiator | Creative Deal Maker | Trusted Kelowna Real Estate Advisor With over 25 years of experience crafting strategic property deals — both personally and for clients — I bring deep market insight and exceptional negotiating skill to every transaction. Whether you’re buying a home, relocating to Kelowna, or investing in the Okanagan, I’ll help you navigate the process with clarity, confidence, and a sharp eye for value.

I believe real estate success starts with education. I ensure every client understands the local market dynamics and is empowered to make well-informed decisions. Your experience should be smooth, strategic, and stress-free — and I treat every transaction as the beginning of a lifelong professional relationship.

Most of my business comes through word-ofmouth, a reflection of the trust and results I consistently deliver.

Let’s connect to explore current opportunities in Kelowna and surrounding markets.



Area Covered: Kelowna, West Kelowna, Lake Country, Vernon




Have Questions?

Land Transfer Tax Rebates

The LTT is a provincial and/or municipal tax paid when purchasing a property. Some provinces offer rebates for first-time home buyers

Looking for help with your Land Transfer Tax Rebate application?

Who is eligible?
  • Canadian citizen and permanent resident
  • 18+ years old
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Plan to occupy the home as your principal residence within 9 months
How much can you get?
  • Ontario: Up to $4,000
  • Toronto: Up to $4,475 in addition to the Ontario rebate
  • British Columbia: Full exemption for homes up to $500,000
  • Other provinces vary; check your local rules

Estimate your land transfer tax in seconds. Use our Land Transfer Tax Calculator to see how much tax you’ll pay and any potential rebate you may qualify for.

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Have your Land Transfer Tax figured out?

Receive updates on newly listed properties in your area and make your next move easier.

Home Buyer’s Amount (HBA)

Also known as the First-Time Home Buyers’ Tax Credit (HBTC), this on-refundable tax credit helps with closing costs. You can claim up to $10,000, which translates to a maximum tax reduction of $1,500.

Who is eligible?
  • First-time home buyer You haven’t lived in a home owned by yourself or your spouse/common-law partner in the current year or in any of the past four years
  • Bought a qualifying home in Canada
  • Plan to occupy the home as your principal residence within one year of purchase
What homes qualify?
  • Located in Canada
  • Includes:
    • Detached or semi-detached homes
    • Townhouses
    • Condominiums or apartments
    • Mobile homes
    • Co-ops with equity ownership

See how Sutton Centre Realty, Brokerage* has helped clients turn their homeownership dreams into reality. Get in touch today to start your own journey.

 

TESTIMONIALS

    CMHC Improvements (Purchase Plus Improvements)

    The CMHC Improvement program lets you add eligible renovation costs to your mortgage — up to 10% of the improved value of the home Market value after renovations. . Ideal for buying a fixer-upper or upgrading immediately without a separate loan.

    Tips

    For owner-built or rental properties, you may qualify for construction financing or small rental loans under different rules.

    Sign up for Neighborhood Buzzer to get updates on homes with renovation potential

    Who is eligible (1- 2 unit owner-occupied properties)?
    • Canadian citizen, permanent resident, or non-permanent resident with a valid work permit
    • Minimum credit score of 600
    • Purchase price under $1,500,000
    • Minimum down payment: 5% on first $500,000 + 10% on the remainder
    • Maximum amortization period: 25 years
    Note: Eligibility criteria vary for 3 - 4 unit owner-occupied properties
    What homes qualified?
    • Located in Canada
    • Suitable for full-time, year-round occupancy
    • Must have year-round access

    GST/HST New Housing Rebate

    The rebate allows you recover a portion of the GST or HST paid on a new or substantially renovated home.

    Who is eligible?
    • Bought from a builder, built your own home, or completed major renovations
    • Primary residence for you or a close family member
    How much can you get?
    • Federal portion: Up to 36% of the GST paid, to a maximum of $6,300
    • Provincial portion: Varies by province. For example, you can get up to $24,000 in Ontario

    Looking for help with your GST/HST New Housing Rebate application?

     

    Have Questions?