I am goin to be a first time home buyer next year I have 50 000 saved for a down payment plus 25 000 in rrsp for first time home buyers plan. My total home coast is between 170 000 to 180 000. My financial advisor is telling me i should invest about 20 000 into RRSP to top up my contribution room for this year. i would be in the 46% bracket leaving me with 10 000- 11 000 come tax time to use for my mortgage down payment giving me 40 000 instead of 50 000. but i would have an extra 20 000 invested in RRSP which i have invested in a stock portfolio which probably makes 5-10% return depending on the market. and mortgage rates can be around 2.6% 5 year locked. Just looking for some advice on what would be the best plan.