Land Transfer Tax Rebates — Ontario & Toronto (First-Time Buyers). Please make sure to always consult with your lawyers and accountants to determine what you qualify for. 

Provincial Land Transfer Tax (Ontario)

• Maximum rebate: $4,000 for first-time buyers.

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• Covers the full Ontario LTT for homes valued up to approximately $368,000; for higher-priced homes, the rebate still applies but you pay the difference. ganganilaw.com+15The Mortgage Advisors+15Ratehub.ca+15TRREB+1WOWA+5mortgagekw.com+5Allen Ehlert | Mortgage Agent+5

• Eligibility: Must be 18+, a first‑time buyer (never owned anywhere), occupy the home within 9 months, be a Canadian citizen or permanent resident (or become one within 18 months), and—for pre‑2007 contracts—must be newly built and under warranty. mortgagekw.com+9The Mortgage Advisors+9rbhf.ca+9

Municipal Land Transfer Tax (Toronto)

• Toronto imposes an additional LTT on top of the provincial tax.

• Maximum rebate: $4,475 for first-time buyers in Toronto. ganganilaw.com+10Ratehub.ca+10TRREB+10

• For example, for properties in Toronto fully up to $400,000, both rebates can cover the entire LTT.Toronto+2Ratehub.ca+2

• Combined potential rebate: Up to $8,475 when both provincial and Toronto rebates apply.ganganilaw.com+13WOWA+13TRREB+13

Eligibility Criteria (Provincial & Toronto)

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To qualify for both rebates:

• Must be a first-time homebuyer (never owned property anywhere).

• Must be 18+ and a Canadian citizen or permanent resident, or become one within 18 months.

• Must occupy the home as your principal residence within 9 months of closing.

• If entering into purchase before December 14, 2007, the home must be newly constructed and warranty-eligible.Allen Ehlert | Mortgage Agenten.wikipedia.org+11The Mortgage Advisors+11ganganilaw.com+11