Your First Home
Starts Here
NEW 2026: Save up to $130,000 with the GST/HST rebate on new homes — plus stack FHSA + RRSP for up to $75,000 in tax-advantaged down payment funds.
$130K
Max HST rebate — Ontario 2026
$75K
FHSA + HBP combined max
5%
Minimum down payment
$1,500
First Home Tax Credit
New GST/HST Rebate — Save up to $130,000
The federal government eliminated the 5% GST on new homes for first-time buyers. Ontario went further — removing the full 13% HST for all buyers on new homes until March 2027.
$50K
Federal GST rebate max
First-time buyers, homes ≤$1M
$130K
Ontario HST rebate max
All buyers, Apr 2026–Mar 2027
2031
Program end date
Federal rebate valid until 2031
First Time Buyers
Every first-time buyer incentive, stacked for you
Buying your first home in Canada just got a massive boost. The new 2026 GST/HST rebate eliminates up to $130,000 in tax on new homes — on top of the FHSA, Home Buyers' Plan, and Land Transfer Tax rebates already available. We make sure you claim every dollar.
NEW: GST/HST Rebate 2026
Federal rebate eliminates 5% GST on new homes (max $50K). Ontario removes the full 13% HST for all buyers on new homes until March 2027 — up to $130,000 in savings.
First Home Savings Account (FHSA)
Contribute up to $8,000/year tax-free. Withdrawals for a qualifying purchase are also tax-free — best of both worlds. Lifetime limit: $40,000.
Home Buyers' Plan (RRSP)
Withdraw up to $35,000 from your RRSP tax-free. Combine with FHSA for a combined $75,000 down payment fund.
Land Transfer Tax Rebate
Ontario first-time buyers receive up to $4,000 on provincial LTT. Toronto adds a municipal rebate of up to $4,475.
CMHC Insured Mortgage
Buy with as little as 5% down when CMHC insures your mortgage. Premium is added to your balance, not paid upfront.
First-Time Buyer Education
We walk you through closing costs, lawyers, home inspection, title insurance — and how to claim every rebate available to you.
Not sure how much the new rebate saves you? Use our GST/HST Rebate Calculator to see your exact savings based on your home price.
Your first purchase, step by step
Simple, transparent, and built around you.
Know your down payment
We calculate what you have between savings, FHSA, and RRSP — and confirm your GST/HST rebate eligibility.
30 min consultGet pre-approved
Lock your rate for 120 days. Understand your exact purchase limit before you start visiting open houses.
24 hoursFind your home
Shop confidently with a pre-approval letter. Your realtor knows you can close.
At your paceClose & claim your rebate
We handle underwriting, appraisal, and lender conditions. We also guide you through the CRA rebate application.
Avg. 21 days“I had no idea about the FHSA until my advisor explained it. We combined it with our RRSP and ended up putting 15% down — way more than we thought we could. Incredible experience.”
Priya & Rohan M.
Brampton, ON
Common questions
Stack every program — and save up to $130,000
The 2026 GST/HST rebate, FHSA, Home Buyers' Plan, and Land Transfer Tax rebate — we'll make sure you claim every dollar. Free consultation, no obligation.