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    KHOULANI REAL ESTATE GROUP

    Buying

    Everything you need to buy a home.

    Search every listing, get new homes sent to you first, and see every program and rebate that can save you money. All on one page.

    Search homesHome finderFirst-time buyer programsLand transfer taxNew home rebatesRRSP Home Buyers’ Plan
    Home finder

    Get new listings before anyone else

    Tell us your areas, budget and must-haves. We will send you matching homes as soon as they hit the market.

    Programs

    Savings for first-time buyers.

    First Home Savings Account

    $40,000

    Save up to $8,000 a year, tax-free, toward your first home. Contributions are tax-deductible and withdrawals for your home are not taxed.

    RRSP Home Buyers’ Plan

    $60,000

    Withdraw up to $60,000 per person from your RRSP, or $120,000 as a couple, and repay it over 15 years.

    Details →

    Land transfer tax refunds

    Up to $8,475

    Up to $4,000 back on Ontario land transfer tax, plus up to $4,475 on Toronto’s municipal tax if you buy in Toronto.

    Details →

    GST rebate on new homes

    Up to $50,000

    First-time buyers of a newly built home can get back the full 5% GST on homes up to $1 million, phasing out up to $1.5 million.

    Details →

    Home Buyers’ Tax Credit

    $1,500

    Claim $10,000 on your tax return the year you buy, worth up to $1,500 in tax savings.

    Each program has its own rules on who counts as a first-time buyer, timing and how to apply. This is general information, not tax or legal advice. Confirm details with the CRA, the Ontario Ministry of Finance, your lawyer or your accountant.

    Your first purchase

    How it works, step by step.

    Get pre-approved

    Know your budget before you shop, and lock in a rate.

    Plan your savings

    Combine your FHSA and Home Buyers’ Plan for your down payment.

    Find the home

    We send you new listings first and tour homes with you.

    Make an offer

    We set the price strategy and negotiate the conditions.

    Close and claim

    Your lawyer claims the land transfer tax refund on closing.

    Rebates in detail

    How each program works.

    Refunds

    What you can get back.

    Ontario refund

    Up to $4,000

    Applies anywhere in Ontario, on new and resale homes. It covers the full provincial tax on homes up to about $368,000.

    Toronto rebate

    Up to $4,475

    Only for homes in the City of Toronto, which charges its own land transfer tax on top of Ontario’s. It is added to the Ontario refund.

    Total possible

    $8,475

    For a first-time buyer purchasing in Toronto. Outside Toronto, the maximum is $4,000.

    Who qualifies

    The main rules.

    • You are at least 18 years old.
    • You have never owned a home, or an interest in one, anywhere in the world.
    • Your spouse has not owned a home while they were your spouse.
    • You move into the home as your main residence within nine months.
    • You are a Canadian citizen or permanent resident.
    • You claim on closing through your lawyer, or apply within 18 months.

    Source: Ontario Ministry of Finance and City of Toronto. This is general information. Your real estate lawyer will confirm your eligibility and claim the refund for you.

    Rebates

    What is available.

    First-time buyers’ GST rebate

    Up to $50,000

    The full 5% GST back on a new home up to $1 million, reducing gradually to zero at $1.5 million. For agreements signed on or after May 27, 2025. Once per lifetime.

    Ontario first-time buyer HST relief

    Up to $80,000

    Ontario has announced a matching rebate of the full 8% provincial HST for first-time buyers, on the same price limits. Ask us or your lawyer about its current status.

    Ontario new housing rebate

    Up to $24,000

    Available to all buyers of a new home they will live in: 75% of the provincial HST, up to $24,000.

    Federal new housing rebate

    Up to $6,300

    36% of the federal GST on homes up to $350,000, reducing to zero at $450,000.

    In most pre-construction deals the builder claims these rebates for you and they are built into the price. Read the HST clause in your agreement carefully. This is general information, not tax or legal advice. Confirm with your lawyer or the CRA.

    At a glance

    How the plan works.

    How much

    $60,000

    Per person, or $120,000 for a couple buying together. The limit rose from $35,000 in April 2024.

    Who qualifies

    You are a first-time buyer if you have not lived in a home you or your spouse owned in the current year or the previous four years. You must intend to live in the home within a year.

    Paying it back

    Repay over 15 years. Repayments start a few years after the withdrawal. Any amount you miss in a year is added to your income for tax.

    Use it with an FHSA

    You can combine the Home Buyers’ Plan with a First Home Savings Account for an even bigger down payment.

    The plan also helps people with a disability, or relatives buying for them, even if they are not first-time buyers. This is general information. Confirm current rules with the CRA or your financial institution before you withdraw.

    Planning your down payment?

    We can connect you with a mortgage specialist and show you homes in your budget.

    Contact usSearch homes
    Hanna Al-Khoulani
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    Listing Data were last updated: 2026-10-28 02:58:00

    Listing Objects were last updated: 2026-10-26T04:57:36.894025Z

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