HST New Housing Rebate

If you’re buying a newly constructed or substantially renovated home, the HST rebate rules have changed significantly and favourably in 2026 — and depending on your timing, you could qualify for meaningfully more than what most buyers assume.

The headline change: A new federal rebate now eliminates GST entirely on qualifying new homes priced up to $1 million for first-time buyers, worth up to $50,000 — with a phased amount available up to $1.5 million.

On top of that: Ontario has also introduced a temporary enhanced provincial rebate for a limited window in 2026-2027, which could increase your total savings further depending on exactly when your agreement is signed.

The standard baseline rebate (for buyers who don’t qualify for the above) remains: 36% of the federal portion up to $6,300, plus 75% of the Ontario portion up to $24,000.

Because these programs are changing quickly and depend heavily on your specific closing date and purchase price, this is exactly the kind of thing worth a direct conversation rather than guesswork — I’ll walk you through exactly what applies to your situation.

Rebate programs and amounts are set by federal and provincial governments and change frequently. Contact me directly for current figures relevant to your purchase timeline.