Land transfer tax

First-time buyer land transfer tax refunds.

Land transfer tax is due when you close on a home in Ontario. First-time buyers can get much of it back, and in many cases all of it.

Land transfer tax calculatorCall (905) 272-9999
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.

Buying your first home?

We will walk you through every program you qualify for.

First-time buyer guideContact us
Hanna Al-Khoulani
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