How It Works
First-time buyers of new and re-sale homes are eligible for rebates on provincial and Toronto land transfer taxes. The maximum that first-time home buyers can receive for provincial land transfer tax (LTT) is $2,000 and for the Toronto LTT its $3,725.
The provincial LTT is payable anywhere in Ontario, including Toronto. As mentioned before, the maximum that a first-time buyer can receive for the provincial LTT is $2,000. For re-sale homes, the provincial rebate only applies to first-time buyers who entered into Agreements of Purchase and Sale after December 13, 2007.
Toronto LTT is payable only for properties in the City of Toronto. The maximum a first-time home buyer can receive is $3,725. The Toronto LTT rebates are in addition to any provincial LTT rebate the buyer qualifies for.
The buyer is considered to be a first-time buyer for the provincial and Toronto LTT if they are at least 18 years of age and must not have previously owned a home anywhere in the world at anytime. If a spouse is involved, the spouse cannot have owned a home or had any ownership interest in a home while he/she was the purchaser’s spouse.
Find Your Dream Home
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1664 Nebo Road in Mount Hope: 530 - Rural Glanbrook Single Family Residence for sale (53 - Glanbrook) : MLSÂŽ# 40792254
1664 Nebo Road 530 - Rural Glanbrook Mount Hope L0R 1W0 $1,900,000Residential- Status:
- Active
- MLS® Num:
- 40792254
- Bedrooms:
- 4
- Bathrooms:
- 3
- Floor Area:
- 3,155 sq. ft.293 m2
This updated red brick century home is sure to stun you with its beauty! Drive up the long interlock drive and be greeted by the wrap around porch and the handcrafted mahogany exterior doors. This stately home has original character details you'll love â 10â main floor ceilings, stained glass windows, the original front doors, beautiful glass pocket doors, pine and maple tongue and groove floors throughout, stained solid wood trim work, decorative ceiling medallion, the original fireplace (converted to gas), claw foot tub, the library chandelier is an original Hamilton gas street light converted to electric, and 2 staircases to the second floor. But, itâs been updated to elevate the home and fit the modern family - adding crown molding, coffered ceiling, wall trim, a new kitchen, new bathrooms (including an ensuite with a double shower), second floor laundry, a large walk-in pantry/prep-kitchen, a library that could double as an office, and brick flooring in the mudroom. This home has the original character we all crave in homes while meeting the modern family lifestyle. Set upon approx. 1.38 acres this is country living at its best while still being just a short drive to amenities and commuter access routes. With almost half of the property fully fenced off you can enjoy the backyard privacy and safety letting children and dogs run freely. The backyard also boasts an elegant 50âx50â raised bed garden with a greenhouse, a new âchicken coop mansionâ, large wood storage shed, an inground pool and hot tub. The detached garage, a full 2 storeys + a loft, functions as both a garage and a workshop. Adjacent concrete pad for RV/trailer parking. Updated electrical, new windows (2025), new soffit/fascia/eaves (2025), new siding (2025). The other half of the basement could be finished to add more room and includes 3-pc bathroom rough-ins. A full staircase to the loft is installed and loft could also be finished to add another room. Visit URL for more photos, floorplans, etc. More detailsListed by Keller Williams Complete Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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410 1284 Gordon Street in Guelph: 14 - Kortright East Condo/Apt Unit for sale (City of Guelph) : MLSÂŽ# 40789376
410 1284 Gordon Street 14 - Kortright East Guelph N1L 0M8 OPEN HOUSE: Dec 07, 202502:00 PM - 04:00 PM ESTOpen House on Sunday, December 7, 2025 2:00PM - 4:00PM$539,900Residential- Status:
- Active
- MLS® Num:
- 40789376
- Bedrooms:
- 3
- Bathrooms:
- 2
- Floor Area:
- 964 sq. ft.90 m2
Welcome to vibrant condo living in the heart of South Guelph! This highly sought-after Liberty Square top-floor corner unit is filled with natural light and offers beautiful views from every room. With 3 spacious bedrooms and 2 full bathrooms, this home is a perfect fit for first-time buyers, investors, and growing families alike. Youâll love the 9 ft ceilings, oversized windows, and functional open-concept layout that makes hosting effortless. Step out onto your private balcony, where peaceful, tree-lined views create the ideal backdrop for your morning coffee or evening unwind. For added convenience, this unit includes a same-floor storage locker. Commuters will appreciate the quick access to Highway 6 and the 401, as well as the short distance to the University of Guelph and nearby public transit. Parks, trails, shops, and restaurants are all within easy reach â everything you need is right at your doorstep. Donât miss your chance to call this stunning South Guelph condo home! More detailsListed by Royal LePage Real Estate Associates- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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96 Hidden Ridge Crescent in Hannon: 530 - Rural Glanbrook Single Family Residence for sale (53 - Glanbrook) : MLSÂŽ# 40790659
96 Hidden Ridge Crescent 530 - Rural Glanbrook Hannon L0R 1P0 OPEN HOUSE: Dec 07, 202502:00 PM - 04:00 PM ESTOpen House on Sunday, December 7, 2025 2:00PM - 4:00PM$1,199,990Residential- Status:
- Active
- MLS® Num:
- 40790659
- Bedrooms:
- 4
- Bathrooms:
- 3
- Floor Area:
- 2,558 sq. ft.238 m2
Welcome to 96 Hidden Ridge Crescent â a beautifully upgraded 4-bed, 3-bath detached home offering over 2,500 sq ft of above-grade living in one of Glanbrookâs most desirable family neighbourhoods. Featuring soaring 9-ft ceilings on the main level, a bright open-concept layout, and a spacious kitchen with large island, this home is designed for comfortable everyday living and effortless entertaining. The living and dining areas flow seamlessly to the backyard, where extensive exterior upgrades including exposed concrete aggregate (2021), a newer shed (2020), and a fully fenced yard (2020) create a private outdoor retreat. Three 2-ft x 4-ft sonotube footings with rebar and concrete are already in placeâperfect for a future awning or pergola. Upgrades continue inside with a water softener and reverse osmosis system (2022), security alarm system and cameras, and convenient main-floor laundry. Upstairs, the spacious primary suite includes a 4-piece ensuite, joined by three additional generously sized bedrooms. With parking for six, an attached double garage, and easy access to parks, schools, shopping, and major routes, this move-in-ready home offers incredible value and modern comfort in a sought-after community. More detailsListed by RE/MAX Escarpment Realty Inc.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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197 East 12th Street in Hamilton: 172 - Inch Park Single Family Residence for sale (17 - Hamilton Mountain) : MLSÂŽ# 40791579
197 East 12th Street 172 - Inch Park Hamilton L9A 3X5 OPEN HOUSE: Dec 07, 202502:00 PM - 04:00 PM ESTOpen House on Sunday, December 7, 2025 2:00PM - 4:00PM$629,900Residential- Status:
- Active
- MLS® Num:
- 40791579
- Bedrooms:
- 4
- Bathrooms:
- 2
- Floor Area:
- 1,145 sq. ft.106 m2
Discover comfort, space, and style at 197 East 12th Street, a charming home with timeless appeal nestled in the heart of the desirable Hamilton Mountain. Situated on a 41' x 102' lot, this property offers room to grow both inside and out. With 1,145 sq ft of above-grade living space, this 4-bedroom, 2-bathroom home is perfect for families, professionals, or anyone seeking a move-in-ready home in a prime location. The open-concept main floor features a bright, updated kitchen that flows seamlessly into the living areaâideal for entertaining or cozy nights in. The attached sunroom offers a great opportunity to create a comfortable space for year-round enjoyment and relaxation. The generous primary bedroom boasts abundant natural light. The fully finished basement adds versatile space for a family room, home office, or guest suite. It also includes a second kitchen, providing added flexibility for multi-generational living, entertaining, or extended stays. Step outside to enjoy a fully fenced backyard with ample green space, a garden shed, and room to entertain, play, or garden. Located close to top-rated schools, parks, shopping, public transit, and highway access, this is a rare opportunity to own a truly exceptional property in a sought-after neighbourhood. Donât miss the chance to call this property your home! More detailsListed by RE/MAX Escarpment Realty Inc.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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199 Millen Road in Stoney Creek: 511 - Eastdale/Poplar Park/Industrial Single Family Residence for sale (51 - Stoney Creek) : MLSÂŽ# 40792050
199 Millen Road 511 - Eastdale/Poplar Park/Industrial Stoney Creek L8E 2G6 $449,900Residential- Status:
- Active
- MLS® Num:
- 40792050
- Floor Area:
- 1,006 sq. ft.94 m2
Welcome to 199 Millen Road, a rare opportunity for builders, renovators, and investors in the heart of Stoney Creek. This small home has been fully gutted down to the studs and is ready for your visionâwhether you choose to renovate or start fresh and build new. Situated on a 50' x 110' corner lot with frontage on both Millen Road and Federal Street, this property offers exceptional flexibility for future design, access, and layout options. The location is unbeatable: close to schools, parks, shopping, public transit, and quick highway access, making it ideal for families or future tenants. Whether you're planning to rebuild, modernize the existing structure, or develop your next investment project, this property delivers incredible potential in a highly desirable Stoney Creek neighbourhood. Donât miss your chance to create something truly special in a thriving community. More detailsListed by Re/Max Twin City Realty Inc.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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158 Wilson Street in Hamilton: 134 - Beasley North Row/Townhouse for sale (13 - Hamilton Centre) : MLSÂŽ# 40792164
158 Wilson Street 134 - Beasley North Hamilton L8R 1E2 OPEN HOUSE: Dec 07, 202502:00 PM - 04:00 PM ESTOpen House on Sunday, December 7, 2025 2:00PM - 4:00PM$574,900Residential- Status:
- Active
- MLS® Num:
- 40792164
- Bedrooms:
- 5
- Bathrooms:
- 2
- Floor Area:
- 1,549 sq. ft.144 m2
This charming brick century row house perfectly combines historic character with modern upgrades, including a newly renovated kitchen, updated electrical and plumbing, a 2018 furnace, and a new air conditioning system. This 5-bedroom, 2-bathroom 1549sqft home is tastefully maintained throughout, with original hardwood floors, high ceilings, and elegant finishes like stained glass, and Victorian transom windows. The home offers move-in ready comfort while being ideally situated near schools, a fenced-in backyard with trees and a large gate opening for parking. Steps from the vibrant James St. North, close to cafes, restaurants, and parks, this home is a rare opportunity to enjoy both the city's rich history and contemporary conveniences in one exceptional property. More detailsListed by Judy Marsales Real Estate Ltd.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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105 Thompson Road in Caledonia: 631 - Caledonia North East Row/Townhouse for sale : MLSÂŽ# 40792183
105 Thompson Road 631 - Caledonia North East Caledonia N3W 0B8 $629,900Residential- Status:
- Active
- MLS® Num:
- 40792183
- Bedrooms:
- 3
- Bathrooms:
- 4
- Floor Area:
- 1,580 sq. ft.147 m2
Welcome to this fabulous open concept freehold townhome nestled in the highly desirable and family-friendly Avalon community of Caledonia! This home is bright and spacious and perfect for modern living and entertaining! Enjoy cooking and gathering in the fabulous kitchen, complete with large island and cozy dining area that flows seamlessly into the generous family room, ideal for families with small children, hosting friends or family gatherings. Step outside to a fully fenced backyard, perfect for kids, pets, or summer BBQs. The upper level offers 3 good-sized bedrooms, including a lovely primary suite with a private 3-piece ensuite and convenient upper-level laundry! Lower level has been partially finished, additional 2-piece bath and lots of storage! Additional features include a private driveway, single car garage, easy inside entry and extra street parking across the road. All conveniently located in an incredible, family-friendly community close to schools, parks, and all amenities! Easy commute to Hamilton and 403. Call today to experience all that Caledonia living has to offer! More detailsListed by Heritage Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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5 125 Livingston Avenue in Grimsby: Grimsby West (541) Row/Townhouse for sale : MLSÂŽ# 40791384
5 125 Livingston Avenue Grimsby West (541) Grimsby L3M 4S5 $425,000Residential- Status:
- Active
- MLS® Num:
- 40791384
- Bedrooms:
- 3
- Bathrooms:
- 2
- Floor Area:
- 1,040 sq. ft.97 m2
WELCOME, to this beautifully maintained, very affordable two-storey, three bedroom townhome in the heart of downtown Grimsby - a perfect place for families, commuters, and anyone who appreciates charm, comfort and convenience. All three bedrooms are spacious and located on the second floor. The main floor is bright, open and you will find a private deck off of the living room offering peace, privacy and a great space for relaxing. There are no other units behind! A family room is also found in the basement as well. Unit has been recently painted (Sept '25) Located on a school bus route, making mornings easier for families. Grimsby is well known for its friendly atmosphere, safe neighborhoods and quality schools. Steps away from local amenities; shops, restaurants, parks and community hubs. Also located on the Niagara wine route, combining small-town charm with access to wine tourism. This townhome offers exceptional value and is move-in ready! Don't hesitate! More detailsListed by Sutton Group Quantum Realty Inc.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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220 Grenfell Street in Hamilton: 211 - Crown Point North Single Family Residence for sale (21 - Hamilton Centre) : MLSÂŽ# 40792301
220 Grenfell Street 211 - Crown Point North Hamilton L8H 3J7 $499,990Residential- Status:
- Active
- MLS® Num:
- 40792301
- Bedrooms:
- 5
- Bathrooms:
- 3
- Floor Area:
- 1,430 sq. ft.133 m2
Legal Duplex in Prime Hamilton Location â Ideal Investment or Multi-Family Living. Welcome to this beautifully renovated legal duplex offering 3+2 bedrooms and 2.5 bathrooms in a highly desirable Hamilton neighbourhood with quick access to Highways. The upper level features three spacious bedrooms, a bright and airy living room with stylish vinyl flooring, pot lights, and a large picture window that fills the space with natural light. The modern kitchen is equipped with stainless steel appliances, a quartz countertop, tile backsplash, and ample cabinetry. The lower level impresses with a large open-concept living space, a stunning kitchen, and two generously sized bedrooms, plus a full bathroom. Additional highlights include: High end baseboards, trim, and hardware. Newer windows and doors, 200Amp hydro Service, ESA certified. Also includes new and updated plumbing and drainage system, main water supply line upgrade to 1" copper pipe. All construction work done with city Building permit . Laundry for each unit, Close proximity to Centre Mall, parks, dining, shopping, and recreational facilities and a vibrant, family-friendly neighbourhood with excellent amenities. Don't miss this exceptional opportunity to own a versatile property in one of Hamilton's most convenient and connected locations! More detailsListed by Bridgecan Realty Corp.- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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35 1890 E Rymal Road in Hamilton: 052 - Stoney Creek Escarpment Row/Townhouse for sale (52 - Stoney Creek) : MLSÂŽ# 40792323
35 1890 E Rymal Road 052 - Stoney Creek Escarpment Hamilton L0R 1P0 $749,900Residential- Status:
- Active
- MLS® Num:
- 40792323
- Bedrooms:
- 3
- Bathrooms:
- 4
- Floor Area:
- 1,844 sq. ft.171 m2
Welcome to unit 35-1890 Rymal Rd E. by Branthaven. This Crave model is 1830sq ft above grade with a finished basement. Main floor is drenched with natural lights and lots of pot lights throughout with 9 ft ceilings, chefs style kitchen and large outdoor stone scaped patio with southwest exposure. On the upper floor there is 3 bed, 2 baths and a laundry room, large Primary has ensuite and 2 generously sized bedrooms with shared bathroom. The Lower level has been finished with a kitchenette and 3-piece bath, large rec room and lots of storage spaces and a cold cellar. Other features include wood stairs with iron pickets, fully fenced private backyard, parking, close to guest parking. Donât wait!! More detailsListed by RE/MAX Escarpment Frank Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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21 383 E Dundas Street in Waterdown: 461 - Waterdown East Row/Townhouse for sale (46 - Waterdown) : MLSÂŽ# 40791925
21 383 E Dundas Street 461 - Waterdown East Waterdown L8B 1X6 OPEN HOUSE: Dec 06, 202502:00 PM - 04:00 PM ESTOpen House on Saturday, December 6, 2025 2:00PM - 4:00PMOPEN HOUSE: Dec 07, 202502:00 PM - 04:00 PM ESTOpen House on Sunday, December 7, 2025 2:00PM - 4:00PM$749,900Residential- Status:
- Active
- MLS® Num:
- 40791925
- Bedrooms:
- 3
- Bathrooms:
- 3
- Floor Area:
- 1,682 sq. ft.156 m2
Welcome to this modern 3-storey townhome offering 2+1 bedrooms, 2.5 bathrooms, and nearly 1,700 sq. ft. of bright, functional living space. The open-concept main floor features a stylish kitchen with an upgraded backsplash, clean neutral finishes, and a spacious living area perfect for everyday living and entertaining. Upstairs are two comfortable bedrooms and a full bathroom, including an upgraded glass shower. The 3rd bedroom offers a flexible work or guest space with a full bathroom and a walkout to the private, fenced backyard. Enjoy turn-key living with a finished basement, exterior natural gas hookup, central AC, and included appliances. Parking for two with both a garage and a surface spot. Located in Waterdownâs family-friendly, walkable community, you're close to Copper Kettle CafĂŠ, Kamoosh Bistro, The Watermark Taphouse, Fortinos, Shoppers, the Waterdown Trail system, and have quick access to Dundas St. E, the 403, and Aldershot GO. A perfect low-maintenance, move-in-ready option for first-time buyers, downsizers, or young professionals. More detailsListed by Keller Williams Edge Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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176 S Walter Avenue in Hamilton: 240 - Bartonville/Glenview Single Family Residence for sale (24 - Hamilton East) : MLSÂŽ# 40792283
176 S Walter Avenue 240 - Bartonville/Glenview Hamilton L8K 3L2 $649,900Residential- Status:
- Active
- MLS® Num:
- 40792283
- Bedrooms:
- 3
- Bathrooms:
- 2
- Floor Area:
- 1,849 sq. ft.172 m2
Welcome to this beautifully maintained solid brick bungalow in highly desirable East Hamilton! Offering 1,032 sq. ft. of comfortable living space, this home is the perfect blend of practicality, charm, and smart upgrades. Step inside to find updated windows and doors, a renovated main-floor bathroom featuring a spa tub and rain shower head, and a layout thatâs ideal for families, first-time buyers, downsizers or investors looking for income potential. A separate side entrance adds excellent flexibility for a future in-law suite or secondary unit (buyer to verify). Major updates include a newer roof and eavestroughs with gutter protection (2014), high-efficiency furnace and A/C (2020), water heater (2018), and washer and dryer (2023) â giving you peace of mind for years to come. The location truly shines with an elementary school is just one block away, and the local high school is only minutes down the road. Youâre also conveniently close to the Red Hill Expressway, parks, shopping, transit, and everyday amenities. This is the kind of home that feels right the moment you walk in â an incredible opportunity in a sought-after neighborhood. More detailsListed by Keller Williams Complete Realty- ELENA CIPRIANO
- RMXESCBU4BJ
- 1 (905) 6166821
- Contact by Email
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As your personal guide and trustworthy agent, I strive to give you the best of the best.
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In the years that I have spent in the industry, homebuyers have always asked me, âWhat do I need to do to buy a house?â I have composed a step-by-step guide that organizes the buying process to make buying a house simple and fun!
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Your satisfaction and happiness is something that is very important. I understand how hectic it is to sell a house and it can be difficult if itâs not handled properly. To help you through the entire process, I have put together five simple steps.


