How much can a first-time buyer get back in Ontario in 2026?

On a new build up to $1 million, the two new 2026 rebates remove the full 13% tax — 5% federal GST (up to $50,000) plus the 8% Ontario part of the HST (up to $80,000) — for up to $130,000 combined. On top of that you can claim your land transfer tax rebates (up to $8,475 in Toronto), the $1,500 Home Buyers' Tax Credit, and HOMEH's 1.5% Cashback Rebate at closing. The calculator above shows your exact stack.

What is the new Ontario HST rebate for first-time buyers?

It rebates 100% of the 8% Ontario provincial part of the HST on a new or substantially renovated home up to a $1 million purchase price — up to $80,000 back — with a straight-line reduction between $1 million and $1.5 million and a $24,000 floor above $1.35 million. It applies to new builds from a builder, once in your lifetime, and stacks with the federal GST rebate.

What is the new federal GST rebate?

A 2026 federal rebate that removes 100% of the 5% GST on a new or substantially renovated home valued up to $1 million — up to $50,000 back — with partial relief between $1 million and $1.5 million. It applies to new builds bought from a builder, not resale homes, and can be claimed once in your lifetime.

Can the government rebates stack with the HOMEH Cashback Rebate?

Yes — that is the whole point. The government programs (the new GST and Ontario HST rebates, land transfer tax rebates, FHSA, HBP, the Home Buyers' Tax Credit) are yours to claim, and HOMEH's 1.5% Cashback Rebate at closing stacks on top of all of them. HOMEH makes sure you claim every government dollar and adds our own.

Is HOMEH a government program?

No. HOMEH is not a government program and is not endorsed by any government. We are a licensed real estate brokerage. The government created the rebates; we are the real team that makes sure you actually claim every one — and we add our own 1.5% Cashback Rebate at closing on top.

Do the GST and HST rebates apply to resale (used) homes?

No. Both new-home rebates apply to newly built or substantially renovated homes purchased from a builder. If you buy a resale home you would not pay GST/HST on it, so these rebates do not apply — but every other incentive (HOMEH Cashback Rebate, land transfer tax rebates, FHSA, HBP, the tax credit) still does.

How does 30-year amortization help a first-time buyer?

First-time buyers now qualify for a 30-year amortization on insured mortgages instead of the usual 25 years. Spreading the same mortgage over five more years lowers your monthly payment, which can make qualifying easier. The calculator above shows your 25-year vs 30-year payment side by side. For HOMEH buyers, the independent licensed mortgage broker we work with sets this up for you.

How much land transfer tax will I pay in Toronto?

Toronto buyers pay both the Ontario provincial land transfer tax and a Toronto municipal tax, which roughly doubles the bill. First-time buyers claim up to $4,000 back provincially and up to $4,475 back municipally — up to $8,475 in total. The calculator above shows your exact numbers.

New for 2026 · First-Time Buyers

The keys to your first home — and every rebate that stays yours.

For the first time ever, a brand-new home can come to you almost tax-free. HOMEH finds the home, claims every 2026 rebate for you, and stacks 1.5% Cashback Rebate on top — with a real agent, never a bot.

Get my max rebate Try the calculator ↓

Bright open-concept living and dining room of a first home bought with HOMEH

You could keep

$118,725

First-Time Home Buyer Rebate Calculator

Move the sliders — watch your rebates stack in real time.

Home price

Household income$95,000

Down payment10% · $75,000

Home type

City

You could keep

$118,725

in stacked rebates & credits on this home.

Federal GST rebate New$37,500

Ontario HST rebate New$60,000

HOMEH Cashback Rebate 1.5%$11,250

Land transfer tax rebate$8,475

Home Buyers' Tax Credit$1,500

Plus up to $40,000 FHSA and $60,000 RRSP room to build your down payment tax-free.

Claim my rebates with HOMEH

Estimate based on published 2026 rates. GST & HST rebates apply to new builds; final amounts confirmed by your lawyer and lender. See where the money comes from ↓

The government moved. HOMEH stacks it.

This never happened
before 2026.

For the first time ever, a new home can be sold to a first-time buyer completely tax-free — up to $130,000 off. Miss it, or work with someone who doesn't stack it, and it's gone. HOMEH makes sure it's yours — and adds our own Cashback Rebate on top.

Government of Canada & Ontario

GST + HST Rebate

$130K

Official · new homes up to $1M

HOMEH
makes both
yours.

A real, licensed team —
not a bot — that stacks
every dollar for you.

HOMEH

Cashback Rebate

1.5%

Back at closing

HOMEH is not a government program and is not government-endorsed. We're the licensed team that makes government programs work harder for you. See the official rebate ↗

See it in numbers

Where every dollar
comes from.

A new home carries 13% tax. For a first-time buyer, all of it comes back — then HOMEH stacks more on top.

The full 13% tax — removed

On a new build, HST is 5% federal GST + 8% Ontario. First-time buyers get 100% of both back up to $1M.

5% GST

8% Ontario

Federal GST back

$37,500

Ontario HST back

$60,000

Total tax removed

$97,500

Your stack, right now

$750,000

Every rebate you qualify for on this home, side by side.

Federal GST rebate New 2026$37,500

Ontario HST rebate New 2026$60,000

HOMEH Cashback Rebate 1.5%$11,250

Land transfer tax rebate $8,475

Home Buyers' Tax Credit $1,500

Total you keep$118,725

Buying with HOMEH
vs. on your own.

Everyone can claim the government rebates. Only HOMEH buyers also get Cashback Rebate — and a real agent who makes sure nothing is left behind.

On your
own

With
HOMEH

Government rebates (GST, HST, LTT, FHSA, HBP)

Easy to miss on your own

We claim every one

HOMEH 1.5% Cashback Rebate at closing

$11,250

The new 2026 GST + HST rebate captured

If you find it

$97,500

A real, licensed agent (not AI)

Every step

Mortgage bridged across 30+ lenders

You call the banks

We line it up

Extra cash in your pocket

+$11,250

"Extra cash" is HOMEH's 1.5% Cashback Rebate — money you only get with us, on top of the government rebates available to every buyer.

Get my max rebate Calculate your Cashback Rebate

Real estate first — mortgage bridged

The mortgage help
you only get inside
HOMEH.

HOMEH is a real estate brokerage — but we don't hand you off. For our own buyers, the independent licensed mortgage broker we work with lines up a 30-year amortization and structures your FHSA, RRSP and TFSA so your down payment stretches further. It's a bridge we only build for HOMEH clients.

25 vs 30-year payment

on $675,000 @ 4.04%

Standard 25-year$3,565/mo

First-timer 30-year New$3,225/mo

Lower by$340/mo

A 30-year amortization lowers the monthly payment; you pay more interest over the full term. The broker we work with helps you weigh the trade-off.

FHSA

$40,000 tax-free

First Home Savings Account — tax-deductible going in, tax-free coming out. Built for your first down payment.

RRSP Home Buyers' Plan

up to $60,000

Borrow from your RRSP tax-free — $120,000 for a couple — and repay yourself over 15 years.

TFSA top-up

tax-free growth

Every dollar in a TFSA grows and comes out tax-free — a flexible partner to your FHSA down payment.

New

30-Year Amortization

lower payments

First-time buyers now qualify for a 30-year amortization on insured mortgages — smaller payments, same home.

Every rebate a first-time
buyer can claim.

Six programs, stacked. HOMEH makes sure not a single dollar is left on the table.

New 2026

Federal GST Rebate

up to $50,000

Brand-new 2026 rebate. Removes 100% of the 5% federal GST on a new build up to $1M. Never existed before this year.

New 2026

Ontario HST Rebate

up to $80,000

The 8% provincial part of the HST, fully rebated on a new build up to $1M — the biggest single number a first-timer can claim.

HOMEH Cashback Rebate

1.5% back at closing

Our Cashback Rebate at closing. No credit check, no repayment. Stacks on top of every government program.

Ontario LTT Rebate

up to $4,000

First-time buyers get Ontario land transfer tax back — applied at closing by your lawyer.

Toronto LTT Rebate

up to $4,475

Buying in the City of Toronto? A municipal rebate stacks on the Ontario one — up to $8,475 combined.

Home Buyers' Tax Credit

$1,500 back

A federal credit on your first home, claimed on your tax return the year you buy.

Affordability

How much home you qualify for.

Land transfer tax

Your LTT and rebates.

Cashback Rebate

Your 1.5% back at closing.

Your first home,
step by step.

You've never done this before — so we walk every step with you. Six moves from saving to keys.

First-time home buyers receiving their keys from a HOMEH agent

Save smart

Open an FHSA, plan your down payment, and stack every dollar of tax-free room.

How to save for a down payment

Get pre-qualified

A 5-minute intake. The independent licensed broker we work with shops your file across 30+ lenders.

Get pre-qualified free

Find your home

Search every listing with a real HOMEH agent — not a bot — guiding you.

Browse homes

Make your offer

We help you offer with confidence and protect you with the right conditions.

First-time buyer checklist

Close & claim

Your lawyer applies your rebates. Your HOMEH Cashback Rebate lands at closing.

First-time buyer closing costs

Get your keys

You own your first home — with thousands more still in your pocket.

Start your journey

Read before you buy.

All guides

Let's stack every
dollar you're owed.

One 5-minute intake. A real HOMEH agent finds your home and lines up every rebate you qualify for — then bridges the mortgage and adds 1.5% Cashback Rebate on top. Free, no credit check.

Get my max rebate Get pre-qualified free

Buyer toolkit