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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  • 410 66 Bay Street in Hamilton: 122 - Durand North Condo/Apt Unit for sale (12 - Hamilton West) : MLS®# 40869984

    410 66 Bay Street 122 - Durand North Hamilton L8P 4Z6
    Main Photo: 410 66 Bay Street in Hamilton: 122 - Durand North Condo/Apt Unit for sale (12 - Hamilton West)  : MLS®# 40869984
    $465,000
    Residential
    Status:
    Active
    MLS® Num:
    40869984
    Bedrooms:
    2
    Bathrooms:
    2
    Floor Area:
    1,028 sq. ft.
    Discover urban living at its finest in this stunning condominium in the heart of downtown Hamilton. Offering nearly 1,100 square feet of thoughtfully designed living space, this exceptional 2-bedroom, 2-bathroom residence seamlessly blends modern sophistication with industrial charm. Soaring 16-foot ceilings and dramatic floor-to-ceiling windows fill the open-concept living space with natural light, while polished concrete floors and contemporary finishes create a stylish yet inviting atmosphere. The spacious layout is perfect for both everyday living and entertaining. Residents of The Core Lofts enjoy an impressive collection of amenities, including a beautifully appointed lobby, a fully equipped fitness centre, and a spectacular rooftop terrace with panoramic city views. This unit also includes one underground parking space and a private storage locker for added convenience. Rich in history, The Core Lofts is a landmark building that celebrates Hamilton's industrial heritage through its striking architecture, exposed concrete construction, and expansive warehouse-style windows, all thoughtfully reimagined for modern urban living. Ideally situated in the vibrant downtown core, you'll be just steps from Hamilton's best restaurants, cafés, shopping, entertainment, and public transit. Enjoy easy access to the waterfront, McMaster University, St. Joseph's Healthcare Hamilton, City Hall, and the future LRT, making this an unbeatable location for professionals, students, and investors alike. Experience the perfect combination of character, style, and convenience in one of downtown Hamilton's most sought-after loft buildings. More details
    Listed by Coldwell Banker Community Professionals
  • 6 8 Hemlock Way in Grimsby: Grimsby West (541) Row/Townhouse for sale : MLS®# 40869689

    6 8 Hemlock Way Grimsby West (541) Grimsby L3M 0B5
    Main Photo: 6 8 Hemlock Way in Grimsby: Grimsby West (541) Row/Townhouse for sale : MLS®# 40869689
    $569,900
    Residential
    Status:
    Active
    MLS® Num:
    40869689
    Bedrooms:
    2
    Bathrooms:
    2
    Floor Area:
    1,418 sq. ft.
    Welcome to this beautifully maintained, two-story freehold townhouse located in one of Grimsby’s most sought-after neighbourhoods. The modern, open-concept main floor seamlessly blends the eat-in kitchen with a spacious living and dining combo, where a sliding door opens to your private balcony. Designed for effortless living, the upper level features two comfortable bedrooms and convenient second-floor laundry. The finished basement adds excellent versatility, complete with a handy powder room and a walk-out to a fully fenced backyard. Lower level can be converted to a third bedroom. Superbly located just minutes from top-tier schools, parks, shopping, the community center, and award-winning wineries, this home offers quick access to main roads and the QEW. Whether you are a first-time buyer or looking to downsize, a motivated seller makes this an opportunity you don't want to miss. Book your private showing today! More details
    Listed by Royal LePage NRC Realty Inc.
  • 145 Gage Avenue N in Hamilton: 200 - Gibson/Stipley Single Family Residence for sale (20 - Hamilton Centre) : MLS®# 40870010

    145 Gage Avenue N 200 - Gibson/Stipley Hamilton L8L 6Z8
    Main Photo: 145 Gage Avenue N in Hamilton: 200 - Gibson/Stipley Single Family Residence for sale (20 - Hamilton Centre)  : MLS®# 40870010
    $549,900
    Residential
    Status:
    Active
    MLS® Num:
    40870010
    Bedrooms:
    4
    Bathrooms:
    3
    Floor Area:
    1,635 sq. ft.
    Welcome to 145 Gage Avenue North, Hamilton. A fully renovated detached home in the established Stipley neighbourhood, within walking distance of all essential amenities, minutes from Hamilton Stadium, Gage Park, and the shops and restaurants of Ottawa Street North. This 3+1 bedroom, 2+1 bathroom home was renovated top to bottom in 2021, including new windows, doors, electrical, plumbing, furnace, pot lights, flooring, bathrooms and kitchen. The result is the character of a century home paired with the mechanicals and finishes of new construction. The main floor offers a bright living room with a floor-to-ceiling feature wall with electric fireplace and an adjacent dining room, anchored by a renovated kitchen with white shaker cabinetry, quartz countertops & backsplash, centre island with seating room, stainless steel appliances including a dishwasher and direct access to the backyard. A two-piece powder room completes the level. The second floor offers 3 bedrooms and a three-piece bathroom with quartz vanity, glass walk-in shower and laundry. The fully finished lower level offers a separate entrance, second kitchen with quartz countertops, full bedroom, three-piece bathroom with quartz vanity and a second set of laundry. Outside you'll find a fenced backyard and a detached single car garage with a private driveway. Don't miss the chance to own this move-in ready home in an established central Hamilton community, located at 145 Gage Avenue North, Hamilton. More details
    Listed by eXp Realty
  • 1709 223 Webb Drive in Mississauga: 0210 - City Centre Condo/Apt Unit for sale (MS - Mississauga) : MLS®# 40868526

    1709 223 Webb Drive 0210 - City Centre Mississauga L5B 0E8
    Main Photo: 1709 223 Webb Drive in Mississauga: 0210 - City Centre Condo/Apt Unit for sale (MS - Mississauga)  : MLS®# 40868526
    $357,500
    Residential
    Status:
    Active
    MLS® Num:
    40868526
    Bedrooms:
    1
    Bathrooms:
    1
    Incredible value and one of the best priced 1 bed 1 bath condos in Square One! This lovely bright condo offers modern open concept living in the heart of Mississauga. The living and dining area features plenty of natural light, south-west views of the lake, and a walkout to the balcony-perfect for enjoying stunning sunsets or your morning coffee. The functional kitchen flows seamlessly into the living space, creating an inviting layout for everyday living and entertaining. Enjoy fantastic building amenities, 24-hour concierge, indoor pool, hot tub, yoga studio, fitness centre, party room, guest suites, outdoor terraces with a BBQ area and the convenience of an owned underground parking space and locker. Ideally located just minutes from Square One Shopping Centre, Celebration Square, Sheridan College, the Living Arts Centre, YMCA, restaurants, entertainment, transit, parks and major highways. A great opportunity for first-time buyers, investors or those looking for a convenient urban lifestyle in the heart of City Centre. More details
    Listed by Royal Lepage Real Estate Associates
  • 62 Glenvalley Drive in Cambridge: 33 - Clemens Mills/Saginaw Single Family Residence for sale (13 - Galt North) : MLS®# 40869972

    62 Glenvalley Drive 33 - Clemens Mills/Saginaw Cambridge N1T 1N8
    Main Photo: 62 Glenvalley Drive in Cambridge: 33 - Clemens Mills/Saginaw Single Family Residence for sale (13 - Galt North)  : MLS®# 40869972
    $869,000
    Residential
    Status:
    Active
    MLS® Num:
    40869972
    Bedrooms:
    6
    Bathrooms:
    4
    Floor Area:
    1,978 sq. ft.
    Welcome to 62 Glenvalley Drive, nestled in the desirable Clemens Mills/Saginaw neighborhood of Cambridge. This spacious detached home offers 4+2 bedrooms and 3.5 bathrooms across a thoughtfully designed layout. Approximately $170,000 was invested in major renovations completed in July-August 2024, including a newly renovated open-concept kitchen with quartz countertops, new awning windows in the living room, kitchen, dinette, powder room, laundry room, and primary bedroom (the three other upstairs bedrooms retain their original windows),updated bathrooms, new flooring and baseboards on the upper levels, a new front door, glass rear sliding door, and shaker-style doors with updated hardware throughout. Additional exterior upgrades include new dusk-to-dawn sensor light fixtures. Main floor laundry and a new furnace(2024) add to the home's comfort and efficiency. Recent updates also include fresh interior painting and driveway restoration. The fully finished basement offers a separate entrance, bedroom, 3-piece bathroom, den, and spacious recreation room with kitchenette - complete with egress windows in the bedroom and den - ideal for multigenerational living or income potential. Outside, enjoy a fully fenced yard with neighbors on one side only, an exposed aggregate patio, plus parking for 5 vehicles including a double garage and triple-wide exposed aggregate driveway. This home offers comfort, flexibility, and potential in one of Cambridge's most sought-after communities. More details
    Listed by Corcoran Horizon Realty
  • 706 Brentwood Drive in Burlington: 311 - Maple Single Family Residence for sale (31 - Burlington) : MLS®# 40869804

    706 Brentwood Drive 311 - Maple Burlington L7S 1S4
    Main Photo: 706 Brentwood Drive in Burlington: 311 - Maple Single Family Residence for sale (31 - Burlington)  : MLS®# 40869804
    $1,249,995
    Residential
    Status:
    Active
    MLS® Num:
    40869804
    Bedrooms:
    5
    Bathrooms:
    2
    Floor Area:
    2,117 sq. ft.
    What do you get when you take a fully renovated detached home and place it on a quiet, family-oriented street just steps from downtown Burlington? You get 706 Brentwood. In 2015 this solid brick bungaloft was taken down to the studs and rebuilt with permits, including new plumbing, electrical, HVAC, roof, windows and doors. The main and upper levels are bright and open with hardwood throughout, a wood-burning fireplace in the living room, a quartz kitchen with stainless steel appliances and 3 bedrooms for your growing family. Downstairs feels nothing like a basement. The legal 2-bedroom apartment is bright and generous, with its own walk-up entrance and a kitchen and living room larger than most. Rent it to help pay the mortgage now, then reclaim the space when your family grows, just like the Sellers did. Out back, the kitchen opens to a deck that steps down to a stone patio overlooking a private fenced yard with plenty of greenspace. The playground, trampoline, patio furniture, gas BBQ and built-in natural gas firepit all stay, so summer nights start the day you move in. Attached garage and parking for 5. Parks, schools and everyday errands are all within walking distance. Brant Street is a 4 minute walk, with the shops, restaurants and patios of the downtown core just beyond. Just 1 km to Burlington GO and 2 km to the QEW for easy commuting by train or by car. Room to grow, income to help you get there and downtown at your doorstep. More details
    Listed by Keller Williams Edge Realty
  • 203 966 Queenston Road in Stoney Creek: 515 - Battlefield Condo/Apt Unit for sale (51 - Stoney Creek) : MLS®# 40869767

    203 966 Queenston Road 515 - Battlefield Stoney Creek L8G 1B7
    Main Photo: 203 966 Queenston Road in Stoney Creek: 515 - Battlefield Condo/Apt Unit for sale (51 - Stoney Creek)  : MLS®# 40869767
    $349,900
    Residential
    Status:
    Active
    MLS® Num:
    40869767
    Bedrooms:
    2
    Bathrooms:
    2
    Floor Area:
    1,014 sq. ft.
    Wake up to peaceful views and enjoy the simplicity of condo living in this spacious 2-bedroom suite nestled in one of Stoney Creek's most convenient locations. Featuring a bright, open layout with large windows, this carpet-free home provides comfortable living with generous principal rooms and the convenience of in-suite laundry. Step outside onto your private balcony to relax and soak in the tranquil surroundings. This well-managed building is ideal for those looking to downsize without compromise, featuring an easily accessible parking spot, a storage locker, rooftop lookout patio and an unbeatable walkable location just moments from shopping, restaurants, medical services, banking, transit, and all everyday amenities. A wonderful opportunity to enjoy low-maintenance living in a mature, established community. More details
    Listed by Royal LePage State Realty Inc.
  • 86 Springstead Avenue in Stoney Creek: 510 - Community Beach/Fifty Point Single Family Residence for sale (51 - Stoney Creek) : MLS®# 40869692

    86 Springstead Avenue 510 - Community Beach/Fifty Point Stoney Creek L8E 6E9
    Main Photo: 86 Springstead Avenue in Stoney Creek: 510 - Community Beach/Fifty Point Single Family Residence for sale (51 - Stoney Creek)  : MLS®# 40869692
    $759,900
    Residential
    Status:
    Active
    MLS® Num:
    40869692
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    2,040 sq. ft.
    Welcome to Community Beach, where lakeside living meets everyday convenience! Ideally located just minutes from the waterfront, Fifty Point Conservation Area, parks, Winona Crossing, shopping, restaurants and quick QEW access, this beautifully maintained 3-bedroom, 3-bathroom home offers a fantastic lifestyle in one of Stoney Creek’s most desirable communities. Inside, the bright and inviting main floor features hardwood flooring, an open-concept living and dining area with fireplace, convenient powder room and inside entry from the garage. The spacious eat-in kitchen is finished with quartz countertops, stainless steel appliances, subway tile backsplash, ample cabinetry and a dinette with walkout to the backyard. Upstairs, the generous primary bedroom offers its own walkout to a private terrace, creating a unique outdoor extension of the space. Two additional well-sized bedrooms, including one with a walk-in closet, and a 5-piece main bathroom with double vanity complete the upper level. The finished lower level adds even more living space with a comfortable recreation area, 4-piece bathroom, spacious laundry room and cold cellar. Step outside to an entertainer’s backyard designed for relaxing and hosting, featuring a large deck with pergola, built-in BBQ and bar fridge, plus a propane line ready for a patio fire table. A dedicated concrete pad with electrical already in place offers the perfect setup for a future hot tub. The heated garage provides additional year-round comfort and versatility and is wired for electric vehicle charging. With the lake nearby, excellent amenities at your fingertips and easy highway access for commuters, this move-in-ready home offers an exceptional lifestyle in one of Stoney Creek’s most desirable lakeside communities. More details
    Listed by RE/MAX Escarpment Golfi Realty Inc.
  • 283 Second Road E in Stoney Creek: 052 - Stoney Creek Escarpment Single Family Residence for sale (52 - Stoney Creek) : MLS®# 40869999

    283 Second Road E 052 - Stoney Creek Escarpment Stoney Creek L8J 3J1
    Main Photo: 283 Second Road E in Stoney Creek: 052 - Stoney Creek Escarpment Single Family Residence for sale (52 - Stoney Creek)  : MLS®# 40869999
    $1,629,900
    Residential
    Status:
    Active
    MLS® Num:
    40869999
    Bedrooms:
    6
    Bathrooms:
    4
    Floor Area:
    3,860 sq. ft.
    Luxury, elegance & exceptional space! Welcome to this fully renovated 4+2 bedroom Grey Stone & Brick Manor, ideally situated on a premium corner lot.This impressive home features a fully gated property with two swinging gates, a triple-wide concrete driveway, extra-wide double garage.Thoughtfully designed for both family living and entertaining, this home features a gourmet kitchen with spice kitchen, impressive principal rooms, a finished basement with movie theatre, and a generous outdoor deck. The gated property, oversized garage and exceptional detached workshop add privacy, versatility and convenience. A truly special home with timeless charm and modern comfort. (VTB) More details
    Listed by Bridgecan Realty Corp.
  • 35 Ivanhoe Road in Brantford: 2011 - Cedarland Single Family Residence for sale (2010 - Brierpark/Greenbrier) : MLS®# 40868927

    35 Ivanhoe Road 2011 - Cedarland Brantford N3R 6V1
    Main Photo: 35 Ivanhoe Road in Brantford: 2011 - Cedarland Single Family Residence for sale (2010 - Brierpark/Greenbrier)  : MLS®# 40868927
    $439,900
    Residential
    Status:
    Active
    MLS® Num:
    40868927
    Bedrooms:
    4
    Bathrooms:
    2
    Floor Area:
    996 sq. ft.
    Affordable North End Home! Check out this spacious 4 bedroom, 2 bathroom bungalow in a highly sought-after neighbourhood featuring an inviting living room with laminate flooring and California shutters, a bright eat-in kitchen with granite countertops and modern tile backsplash, 3 generous-sized bedrooms on the main level with the master bedroom having a large closet with a built-in closet organizer, and a 4pc. bathroom with a granite countertop on the vanity. Head down to the basement where you’ll find a cozy recreation room for entertaining, the 4th bedroom, a convenient 3pc. bathroom with a tiled walk-in shower, a den, a storage room, the utility room that would make a great workshop, the laundry room, and plenty of storage space. You can enjoy hosting summer barbecues with family and friends in the very private backyard that has high cedars along the sides and back of the property and an oversized storage shed that is on a concrete pad. A brand-new furnace and central air were installed in September 2026 and there is a roll of new carpeting, new underlay, and new baseboards in the laundry room that will be left for the new owner to be used wherever they like. An excellent opportunity to own a home in this wonderful neighbourhood that's close to parks, schools, shopping, restaurants, and quick access to Highway 403 and Highway 24. Book a viewing for this lovely home today! More details
    Listed by Re/Max Twin City Realty Inc
  • 90 Lakeside Drive in Grimsby: Grimsby Beach (540) Single Family Residence for sale : MLS®# 40869985

    90 Lakeside Drive Grimsby Beach (540) Grimsby L3M 2L5
    Main Photo: 90 Lakeside Drive in Grimsby: Grimsby Beach (540) Single Family Residence for sale : MLS®# 40869985
    $1,599,900
    Residential
    Status:
    Active
    MLS® Num:
    40869985
    Bedrooms:
    4
    Bathrooms:
    5
    Floor Area:
    2,023 sq. ft.
    Welcome to an extraordinary lakefront residence in Grimsby, perfectly positioned beside a park and along the shores of Lake Ontario at the gateway to Niagara. Set on an impressive 60-foot-wide lot that opens to approximately 71 feet of direct waters edge frontage, this exceptional property combines a beautiful lakeside setting with sophisticated design and extensive modern upgrades. Completely transformed with exceptional attention to detail, this stunning home pairs breathtaking waterfront vistas with virtually all-new major components. Enjoy captivating lake views from the open-concept great room, luxurious primary suite, private home office and expansive rear patio. The impressive interior features 4 bedrooms, each with its own ensuite, beautiful white oak flooring and stairs, and an abundance of windows that bring the waterfront setting indoors. At the heart of the home is a spectacular designer kitchen showcasing two-tone shaker cabinetry, a 10' island, quartz counters and backsplash, custom range hood, crown moulding, premium stainless-steel appliances and thoughtful details including a robotic vacuum cubby, garburator and reverse-osmosis water system. The great room is anchored by a gas fireplace with custom built-ins, while a cleverly concealed main-floor office provides a private workspace overlooking the lake. Extensive improvements include new electrical, plumbing, HVAC with ceiling air supplies, roof, windows, exterior doors, and garage door. Additional features include a smart water valve, digital primary shower controls, Alexa-enabled smart-home technology, EV charger rough-in, BBQ gas connection and new backwater valve. A charming covered front porch with swing adds to the home's appeal, while the lakefront patio creates an unforgettable setting for entertaining or simply enjoying the view. A remarkable turnkey transformation where luxury, technology and waterfront living come together in one exceptional Grimsby home. More details
    Listed by Royal LePage State Realty Inc.
  • 71 Cedarville Drive in Stoney Creek: 500 - Heritage Green Row/Townhouse for sale (50 - Stoney Creek) : MLS®# 40870038

    71 Cedarville Drive 500 - Heritage Green Stoney Creek L8J 0A6
    Main Photo: 71 Cedarville Drive in Stoney Creek: 500 - Heritage Green Row/Townhouse for sale (50 - Stoney Creek)  : MLS®# 40870038
    $674,900
    Residential
    Status:
    Active
    MLS® Num:
    40870038
    Bedrooms:
    3
    Bathrooms:
    3
    Floor Area:
    1,792 sq. ft.
    Not all townhomes are created equal. 71 Cedarville Drive is a perfect example of why. Located in a sought-after Stoney Creek Mountain neighbourhood, this spacious freehold townhome offers a combination of living space, privacy, and practical features that are difficult to find in this style of home. Inside, the main floor offers a comfortable, inviting layout with hardwood flooring, a welcoming living room with fireplace, and a bright kitchen featuring quartz countertops, loads of cabinet space, and a convenient breakfast bar. The adjoining dining area opens directly onto the deck, making it easy to extend everyday living outdoors. A beautiful curved oak staircase serves as a focal point of the home, leading to the upper level where you'll find three generously sized bedrooms, including a spacious primary retreat with a walk-in closet and private ensuite featuring a soaker tub and separate glass shower. The finished lower level offers even more flexibility, with plenty of room for a family recreation area, home theatre, exercise equipment, or whatever suits your lifestyle. Outside, the fully fenced backyard features an expansive deck and gazebo, creating a wonderful setting for relaxing, entertaining, or enjoying the warmer months. The oversized 1.5-car garage, double driveway, and convenient access to the backyard are additional features that make everyday life a little easier. Finally, one of the most appealing characteristics is the unique design: while one side shares a traditional common wall, the other is connected to the neighbouring home only by the garage, providing a greater sense of separation and privacy. With schools, parks, shopping, restaurants, and LINC/Red Hill access all within easy reach, this is a home that delivers on both lifestyle and convenience. Space, comfort, privacy, and an exceptional location. This home checks all the boxes! Call your agent or contact us now to schedule your private showing today. More details
    Listed by RE/MAX Escarpment Realty Inc.
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Data was last updated October 9, 2026 at 05:50 AM (UTC)
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