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.

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  • 263 Hepburn Crescent in Hamilton: 150 - Mountview Single Family Residence for sale (15 - Hamilton Mountain) : MLS®# 40787330

    263 Hepburn Crescent 150 - Mountview Hamilton L9C 7T3
    Main Photo: 263 Hepburn Crescent in Hamilton: 150 - Mountview Single Family Residence for sale (15 - Hamilton Mountain)  : MLS®# 40787330
    $799,000
    Residential
    Status:
    Active
    MLS® Num:
    40787330
    Bedrooms:
    5
    Bathrooms:
    4
    Floor Area:
    3,191 sq. ft.
    Quiet crescent, family-friendly neighborhood, Carpet-free 3+2 bedroom home offering over 3,000 sq. ft. of total living space. The open-concept main floor features bright living and dining areas with soaring 16-ft ceilings and a modern kitchen with stainless-steel appliances, quartz countertops, and breakfast area with walk-out to a composite deck overlooking the fenced backyard. The upper level includes a spacious primary bedroom with walk-in closets and a 4-piece ensuite with separate shower, plus two additional bedrooms and a 3-piece bath. The finished basement with separate back entrance offers excellent in-law suite or rental income potential, featuring two bedrooms, a recreation room, a 4-piece bath, and a fully equipped kitchen. Updates include furnace and A/C motor (2025), refinished floors (2025), roof (~7 years), basement windows (~5 years), Wi-Fi controlled garage doors (2 years), and owned hot water heater. Enjoy outdoor living with a concrete backyard BBQ area, perfect for family gatherings, plus plum and apple trees adding seasonal charm. Close to schools, parks, trails, shopping, and transit. More details
    Listed by 1st Sunshine Realty Inc.
  • 256 Mountain Road in Grimsby: Grimsby Escarpment (055) Single Family Residence for sale : MLS®# 40786939

    256 Mountain Road Grimsby Escarpment (055) Grimsby L3M 4E7
    Main Photo: 256 Mountain Road in Grimsby: Grimsby Escarpment (055) Single Family Residence for sale : MLS®# 40786939
    $2,549,900
    Residential
    Status:
    Active
    MLS® Num:
    40786939
    Bedrooms:
    6
    Bathrooms:
    6
    Floor Area:
    5,778 sq. ft.
    Exquisite 2-Acre Estate in Niagara Wine Country ?? Experience true luxury living in this remarkable 2-acre estate offering over 5,000 sq. ft. of meticulously finished space. Set on one of Niagara’s most prestigious estate streets, this home blends sophistication, privacy, and modern comfort. Located just minutes from downtown Grimsby and the QEW, it’s surrounded by award-winning wineries and breathtaking sunset views. Step inside to a beautifully designed main level where elegance meets function. The gourmet chef’s kitchen features premium quartz counters, a six-burner Dacor gas range, Sub-Zero fridge, Jenn-Air built-in coffee station, hidden range hood, and a full butler’s pantry with added prep space. The main-floor primary suite is a private retreat with a cozy fireplace, custom closets, and a spa-like ensuite boasting heated floors and a smart toilet. The level also includes a home office, powder room (with heated floors and smart toilet), full laundry, and a custom pet wash station. Upstairs, three spacious bedrooms each have private ensuites, one also with heated floors and a smart toilet. The fully finished lower level offers a private entrance from the garage, ideal for in-laws or extended family. It includes a second kitchen with gas stove, electric fireplace, two large bedrooms with custom closets, a bath with heated floors and smart toilet, cold room, second laundry, and its own electrical panel. Outside, a long driveway fits 10+ vehicles and leads to a 4-car garage with EV charging and hoist-ready footings—perfect for any car enthusiast. A rare opportunity to own an extraordinary lifestyle in the heart of Niagara’s wine country. More details
    Listed by RE/MAX Real Estate Centre Inc.
  • 70 Dennis Drive in Smithville: 057 - Smithville Row/Townhouse for sale (West Lincoln) : MLS®# 40786164

    70 Dennis Drive 057 - Smithville Smithville L0R 2A0
    OPEN HOUSE: Nov 15, 2025
    02:00 PM - 04:00 PM EST
    Open House on Saturday, November 15, 2025 2:00PM - 4:00PM
    OPEN HOUSE: Nov 16, 2025
    02:00 PM - 04:00 PM EST
    Open House on Sunday, November 16, 2025 2:00PM - 4:00PM
    Main Photo: 70 Dennis Drive in Smithville: 057 - Smithville Row/Townhouse for sale (West Lincoln)  : MLS®# 40786164
    $689,900
    Residential
    Status:
    Active
    MLS® Num:
    40786164
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,996 sq. ft.
    Welcome to 70 Dennis Drive, Smithville. Built in 2020 by Marz Homes, this beautifully finished freehold townhome offers the perfect blend of modern style and small-town living. Step inside to a bright, open-concept main floor featuring a spacious kitchen with granite countertops, built in pantry, upgraded appliances and breakfast bar. The adjoining dining and living areas are ideal for family time or entertaining friends. Upstairs you’ll find three generous bedrooms, including a primary suite with a walk-in closet and a private ensuite bath. Convenient second-floor laundry makes life easy, while the additional full bathroom and two bedrooms offer plenty of room for family or guests. The partially finished basement adds extra living space for a rec room, home office, or gym. Outside, enjoy your private yard and attached garage with inside entry. Located in one of Niagara’s most sought-after small towns, this home is within walking distance to excellent schools, parks, and the brand-new West Lincoln Community Centre. Smithville offers quiet streets, a strong sense of community, and an easy commute to Hamilton, Niagara, and the QEW. A move-in-ready home in a safe, family-friendly neighbourhood, this is small-town living at its best. More details
    Listed by Keller Williams Complete Realty
  • 129 W Highland Road in Stoney Creek: 504 - Leckie Park/Highland Single Family Residence for sale (50 - Stoney Creek) : MLS®# 40786662

    129 W Highland Road 504 - Leckie Park/Highland Stoney Creek L8J 2S7
    Main Photo: 129 W Highland Road in Stoney Creek: 504 - Leckie Park/Highland Single Family Residence for sale (50 - Stoney Creek)  : MLS®# 40786662
    $929,900
    Residential
    Status:
    Active
    MLS® Num:
    40786662
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    2,371 sq. ft.
    Well located, needs TLC, separate exterior staircase to basement also from garage, main floor bedroom with walk in closet and ensuite bath. Hardwood and ceramic tile throughout. Large separate detached garage/workshop. Rear wood deck. Vaulted ceilings. Rooms sizes are approximate. Sold in "as is" "where is" condition. Seller is registrant, disclosure attached. More details
    Listed by Bob Jugovic Real Estate Ltd.
  • 3 38A Mendota Road in Toronto: TWSQ - Stonegate-Queensway Row/Townhouse for sale (TW07 - Toronto West) : MLS®# 40786775

    3 38A Mendota Road TWSQ - Stonegate-Queensway Toronto M8Y 1E8
    Main Photo: 3 38A Mendota Road in Toronto: TWSQ - Stonegate-Queensway Row/Townhouse for sale (TW07 - Toronto West)  : MLS®# 40786775
    $1,199,000
    Residential
    Status:
    Active
    MLS® Num:
    40786775
    Bedrooms:
    4
    Bathrooms:
    3
    Floor Area:
    2,008 sq. ft.
    **Executive 3 + 1 Bedroom Townhome W/ 3 Full Bathrooms In Grand Hampton Estates! A Quiet, Private Enclave Of Townhomes On A Private Road W/ Parking For Visitors. Welcome To This Beautifully Updated Executive Townhome In Highly Desirable South Etobicoke-Just Minutes To Downtown Toronto's Vibrant Nightlife, GO Train, Highways, Royal York/Bloor Subway, Top-Rated Schools, Restaurants, Costco, Grocery Stores, And Scenic Humber Bay Park & Trails. This Home Has Been Freshly Painted Top To Bottom (Including The Garage) In Modern Neutral Tones And Features Numerous Upgrades Throughout: NEW Windows, Updated Washrooms, Upgraded Lighting, California Shutters, NEW Door Hardware, And A Newly Sealed Driveway. The Main Floor Boasts 9-Ft Ceilings, A Spacious Living/Dining Area With Hardwood Floors, Gas Fireplace, And A Double Door Walk-Out To A Large Multi-Level Deck That's Perfect For Entertaining. The Updated Kitchen Offers NEW Stainless Steel Appliances, An Upgraded Island For Extra Prep Space/Seating, And A Bright Bay Window That Fills The Space With Natural Light. Upstairs, The HUGE Primary Bedroom Retreat Impresses With A 12-Ft Vaulted Ceiling, Walk-In Closet, 3-Piece Ensuite, NEW Flooring, And Private Balcony. Generously Sized Additional Bedrooms Feature Ensuite Access And Ample Closet Space. The Finished Lower Level Includes An Additional Bedroom With 4-Piece Bath, Ideal For Extended Family And/Or Private Retreat That Can Also Be Used As A Rec Room Or Office, Plus An Updated Laundry Room And Garage Access From Inside. Features Updated Furnace, A/C, And Shingles! **Just Move In And Enjoy This Stunning Home In One Of Etobicoke's Most Coveted Communities! More details
    Listed by Royal LePage Signature Realty, Brokerage
  • 930 Upper Ottawa Street in Hamilton: 260 - Berrisfield Single Family Residence for sale (26 - Hamilton Mountain) : MLS®# 40785920

    930 Upper Ottawa Street 260 - Berrisfield Hamilton L8T 3V7
    Main Photo: 930 Upper Ottawa Street in Hamilton: 260 - Berrisfield Single Family Residence for sale (26 - Hamilton Mountain)  : MLS®# 40785920
    $650,000
    Residential
    Status:
    Active
    MLS® Num:
    40785920
    Bedrooms:
    4
    Bathrooms:
    2
    Floor Area:
    1,583 sq. ft.
    Welcome to this well-maintained 3-level backsplit located in a desirable East Hamilton Mountain neighbourhood! Offering approximately 1,583 sq. ft. of finished living space, this home features 3+1 bedrooms and 2 full bathrooms, providing plenty of room for a growing or extended family. The separate rear entrance offers excellent in-law suite or rental potential, adding flexibility and value to this inviting property. The solid oak kitchen features granite countertops, ample cupboard space, and a convenient layout that flows seamlessly into the separate dining room, complete with matching display cabinets. The spacious living room is highlighted by a large bay window that fills the home with natural light. All carpeted areas conceal hardwood floors, waiting for your discovery and enjoyment. The main bathroom offers a relaxing jetted tub, while the lower level includes a comfortable family room, fourth bedroom, 3 piece bathroom and laundry area. A crawl space provides additional storage options. The exterior boasts a fully fenced 55' x 122' lot with plenty of room for outdoor enjoyment, perfect for children, pets, or entertaining guests. The private driveway accommodates parking for four vehicles and includes a convenient turnaround area. There is also an underground sprinkler system in the front yard. Ideally located near schools, Huntington Park Recreation Centre, the public library, and public transit, this home offers comfort, convenience, and potential in one of East Hamilton Mountain’s most established and family-friendly neighbourhoods. A fantastic opportunity for anyone looking for space, versatility, and a prime location! More details
    Listed by Royal LePage State Realty Inc.
  • 116 Whithorn Crescent in Caledonia: 631 - Caledonia North East Single Family Residence for sale : MLS®# 40786947

    116 Whithorn Crescent 631 - Caledonia North East Caledonia N3W 0G4
    Main Photo: 116 Whithorn Crescent in Caledonia: 631 - Caledonia North East Single Family Residence for sale : MLS®# 40786947
    $939,000
    Residential
    Status:
    Active
    MLS® Num:
    40786947
    Bedrooms:
    4
    Bathrooms:
    3
    Floor Area:
    2,200 sq. ft.
    Experience the perfect blend of luxury, comfort, and convenience in this stunning 4-bedroom all-brick home, ideally situated on a corner ravine lot with peaceful forest views and just 100 meters from a new elementary school opening this year. The open-concept main floor features elegant hardwood floors, soaring 9-foot ceilings, and abundant natural light that enhances the home’s bright and welcoming atmosphere. Enjoy over $50,000 in premium upgrades, including a chef’s kitchen with a Bosch French-door refrigerator, Bosch dishwasher, KitchenAid gas range, commercial range hood, and imported quartz countertops. Modern living meets smart design with features such as an Ecobee thermostat, Ring security camera, smart lock, custom closets, California shutters, and a second-floor laundry with an Electrolux washer and dryer, complemented by a LiftMaster wall-mounted garage opener for added convenience. The corner-lot setting offers extra outdoor space for relaxation or play, while a nearby park with a playground, basketball court, and tennis court provides endless recreation options. Making this home the perfect choice for families or anyone seeking elegance, nature, and accessibility in one exceptional residence. More details
    Listed by Zolo Realty
  • 220 Bedrock Drive in Hamilton: 052 - Stoney Creek Escarpment Single Family Residence for sale (52 - Stoney Creek) : MLS®# 40786821

    220 Bedrock Drive 052 - Stoney Creek Escarpment Hamilton L8J 0M2
    Main Photo: 220 Bedrock Drive in Hamilton: 052 - Stoney Creek Escarpment Single Family Residence for sale (52 - Stoney Creek)  : MLS®# 40786821
    $820,000
    Residential
    Status:
    Active
    MLS® Num:
    40786821
    Bedrooms:
    4
    Bathrooms:
    4
    Floor Area:
    1,800 sq. ft.
    Beautifully Maintained 3+1 Bedroom Home in Sought-After Stoney Creek Mountain! This spacious home offers over 1800 sq. ft. of above grade finished living space on a deep lot. The open-concept main floor features pot lights, a powder room, and an eat-in kitchen with upgraded backsplash tiles and stainless steel appliances (newer fridge and stove). The kitchen opens to the dining area — perfect for everyday living and entertaining. Upstairs features three generous bedrooms, including a primary suite with a walk-in closet and ensuite. Convenient bedroom-level laundry adds to the home’s functionality. The finished basement includes a large recreation room and roughed in kitchen, ideal for a guest or in-law setup. Located in a quiet, family-friendly neighbourhood close to schools, parks, shopping, and transit — this home offers the perfect blend of comfort, style, and location. Don’t miss out on this fantastic opportunity! More details
    Listed by Real Broker Ontario Ltd.
  • 82 Albion Street in Brantford: 2042 - North Ward Single Family Residence for sale (2040 - Terrace Hill/E & N Wards) : MLS®# 40786949

    82 Albion Street 2042 - North Ward Brantford N3T 3M4
    Main Photo: 82 Albion Street in Brantford: 2042 - North Ward Single Family Residence for sale (2040 - Terrace Hill/E & N Wards)  : MLS®# 40786949
    $449,900
    Residential
    Status:
    Active
    MLS® Num:
    40786949
    Bedrooms:
    2
    Bathrooms:
    2
    Floor Area:
    1,700 sq. ft.
    Attention first-time home buyers and investors! Look no further - this detached 1.5-storey home is the perfect opportunity for you! Offering 2 bedrooms plus an office, 1.5 bathrooms, and a spacious backyard, this property blends modern updates with classic charm. Step inside to a bright and open great room featuring LED pot lights, a shiplap electric fireplace with a wood mantel, and laminate flooring throughout. A cozy office or den with shiplap detailing and sconce lighting creates the perfect space for working from home or a playroom. The kitchen offers white cabinetry with plenty of storage and a pantry, along with ample space for a dining table - ideal for family meals or entertaining friends. A functional mud room and laundry area with exterior access provides excellent storage and convenience. A freshly updated 4-piece bathroom with new tile and lighting completes the main level. Upstairs, you'll find a 2-piece bathroom and two spacious bedrooms. The primary bedroom features a sliding barn door with built-in closet organizers and charming wall niches for extra storage, while the second bedroom is bright and roomy - perfect for kids or guests. Outside, enjoy a massive backyard complete with a deck, gazebo, above-ground pool, and newer fencing - ideal for outdoor gatherings. Major updates include new siding (2024-2025), roof (approx. 2015), updated fencing and exterior lights, and a newer deck and front porch. This home is adorable and perfect for the next family to move in and enjoy! More details
    Listed by Revel Realty Inc
  • 6 1396 Upper Ottawa Street in Hamilton: 262 - Quinndale Row/Townhouse for sale (26 - Hamilton Mountain) : MLS®# 40786950

    6 1396 Upper Ottawa Street 262 - Quinndale Hamilton L8W 1R1
    Main Photo: 6 1396 Upper Ottawa Street in Hamilton: 262 - Quinndale Row/Townhouse for sale (26 - Hamilton Mountain)  : MLS®# 40786950
    $499,900
    Residential
    Status:
    Active
    MLS® Num:
    40786950
    Bedrooms:
    3
    Bathrooms:
    2
    Floor Area:
    1,484 sq. ft.
    Lock and Leave Lifestyle -Years of maintenance free living. Gorgeously renovated townhome on Hamilton Mountain/Quinndale Location! This 3 bedroom, 2 bathroom home has over 1400 square feet of living space and a beautifully finished backyard deck. This home has been renovated with engineered hardwood throughout the main floor, which leads to a custom designed kitchen with stainless steel appliances, quartz countertops, subway tile backsplash, & soft-close cupboards. The dining area leads to the south facing walkout to a newly built deck for all day use. The main floor is complete with a spacious living room. New carpet with premium under pad leads to the upstairs level with 3 great sized bedrooms and a fully renovated 4-piece bathroom, gorgeous tiled bathroom stall, custom vanity and tile flooring. The lower level is complete with a recreation room and an added 3-piece bathroom with a custom vanity, tiled shower stall and tiled flooring. This home has been freshly painted throughout, updated light fixtures throughout, trim work and baseboards throughout. With an inclusive condo fee ( excellent management group ) and sitting in a quiet complex this home is perfect for those looking to get started in home ownership, close access to all major highways, shopping and public transit. More details
    Listed by Royal LePage Burloak Real Estate Services
  • 1338 Prince Albert Court in Mississauga: 0130 - Lorne Park Single Family Residence for sale (MS - Mississauga) : MLS®# 40786960

    1338 Prince Albert Court 0130 - Lorne Park Mississauga L5H 3S1
    Main Photo: 1338 Prince Albert Court in Mississauga: 0130 - Lorne Park Single Family Residence for sale (MS - Mississauga)  : MLS®# 40786960
    $2,725,000
    Residential
    Status:
    Active
    MLS® Num:
    40786960
    Bedrooms:
    5
    Bathrooms:
    4
    Floor Area:
    4,435 sq. ft.
    Nestled at the end of a highly sought-after court in prestigious Lorne Park, this elegant two-storey, five-bedroom residence blends timeless design with exceptional indoor and outdoor living. Ideally located within a five-minute walk of the highly rated Lorne Park High School and Lorne Park Elementary School, as well as a short walk to shopping and the local library. Upon entering, the spacious foyer leads to a dining room with a fireplace and a bright, modern kitchen featuring stainless steel appliances, an integrated refrigerator, a large island with breakfast bar, pantry, and a spacious dining area with garden doors opening to a large stone patio. Step down to the TV room, highlighted by a vaulted ceiling, cove lighting, and a two-sided gas fireplace shared with the kitchen dining area. A main-floor office with wrap-around windows and a private side entrance is complemented by an adjoining living room with a fireplace. Slate flooring extends through the foyer, kitchen, breakfast room, family room, and powder room, while hardwood floors enhance the remaining main level, adding warmth and sophistication. Upstairs, discover five generous bedrooms, including a primary suite with a luxurious five-piece ensuite and a large walk-in closet with a window, along with a four-piece main bath featuring a large glass shower. The finished basement, with cozy carpeting, provides abundant additional living space featuring a billiards room, family room, bonus room, three-piece bathroom, a large storage area, and a workshop. Enjoy outdoor living with a stone patio, lower entertaining terrace, sparkling pool and hot tub, pool house, garden shed, and a sprawling tree-lined backyard offering the utmost privacy. This is the perfect home and location for a young family—a rare opportunity on one of Lorne Park’s most coveted courts, combining sophistication, comfort, and everyday convenience. Make this beautiful Lorne Park home your family’s next chapter. Book your showing today. More details
    Listed by RE/MAX ERIE SHORES REALTY INC. BROKERAGE
  • 333 Osborne Street in Hamilton: 233 - McQuesten Single Family Residence for sale (23 - Hamilton East) : MLS®# 40786983

    333 Osborne Street 233 - McQuesten Hamilton L8H 6S5
    OPEN HOUSE: Nov 16, 2025
    02:00 AM - 04:00 PM EST
    Open House on Sunday, November 16, 2025 2:00AM - 4:00PM
    Main Photo: 333 Osborne Street in Hamilton: 233 - McQuesten Single Family Residence for sale (23 - Hamilton East)  : MLS®# 40786983
    $649,900
    Residential
    Status:
    Active
    MLS® Num:
    40786983
    Bedrooms:
    3
    Bathrooms:
    2
    Floor Area:
    847 sq. ft.
    Welcome to 333 Osborne Street, a beautifully maintained residence offering modern updates, exceptional versatility, and a convenient East Hamilton location. Featuring a finished basement with a separate side entrance configured as a self-contained one-bedroom suite, this property is perfect for multi-generational living or potential rental income. The main level showcases an updated kitchen (2014) with patio doors leading to a fully fenced backyard, ideal for outdoor entertaining or quiet relaxation. Numerous updates provide peace of mind, including windows and doors (2014), gas furnace (2014), roof on both house and garage (2018), and an owned water heater (2024). The basement offers new flooring (2023), waterproofing along the back and side wall (2024), and a sewer line lightray lining (2025) for long-term protection. An oversized insulated 1½-car detached garage with updated electrical panel (2016) complements the large driveway accommodating 5–6 vehicles, freshly resurfaced in 2024. Ideally situated near public transit, the Red Hill Expressway, QEW, Confederation GO Station, shopping, and schools, this property combines comfort, practicality, and a prime location — truly move-in ready and ready to impress. More details
    Listed by RE/MAX Escarpment Realty Inc.
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Data was last updated November 11, 2025 at 07:50 AM (UTC)
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