The First-Time Home Buyer’s Rebate Program helps eligible Canadians reduce the cost of purchasing or building a new home. Qualified homeowners may receive rebates of up to $50,000 depending on the property value and eligibility criteria.
For homes priced between $1.0M and $1.5M, the rebate amount is gradually reduced.
| Home Price | Approx. Rebate |
|---|---|
| $1,000,000 | $50,000 |
| $1,100,000 | $40,000 |
| $1,200,000 | $30,000 |
| $1,250,000 | $25,000 |
| $1,300,000 | $20,000 |
| $1,400,000 | $10,000 |
| $1,500,000+ | $0 |
Note: Please contact Access Rebates to determine rebate eligibility for substantial renovations, as Fair Market Value (FMV) and renovation costs affect the rebate amount.
Homeowners have 2 years from occupancy or transfer of ownership to apply for the rebate.
Ontario homeowners may also qualify for:
The Federal Rebate currently covers only the 5% federal portion of HST.
Nova Scotia homeowners may also qualify for the existing Provincial Custom Home Rebate of up to $3,000.
Anyone who has not previously owned a home or has not owned a home in the last 4 years.
No, the rebate applies to newly built homes or owner-built homes.
Currently up to $66,080 on a $1,000,000 purchase price including HST.
Both. The rebate includes a 5% GST (Federal Rebate) and up to a maximum $16,080 Provincial Rebate.
No, only one spouse can claim the rebate.
Yes, the home, condo, or ADU must be the primary residence of the first-time home buyer.
No, investors cannot claim this rebate.
No, there is no income requirement.
Yes, homeowners must apply for the rebate after closing.
No, homeowners must apply for the rebate after closing to receive it.
The typical processing time is approximately 4–5 months.
Applications must be submitted within 2 years of closing or occupancy, whichever occurs first.
Please contact Access Rebates for a personal consultation regarding the documents required for your application.
Yes, the rebate applies to newly built condominiums.
Yes, if you have already received another rebate and qualify for the First-Time Home Buyer Rebate, you may still be eligible to receive a rebate top-up.
No, the rebate refunds the GST portion of the HST paid on the purchase.
Yes, this rebate can be combined with other eligible rebate programs.
While not required, it is recommended to work with a housing rebate consultant to help ensure you maximize all available rebates.
Yes. You have up to 2 years from the date of occupancy or possession to apply.
No. Both you and your spouse/common-law partner must meet the first-time home buyer criteria.
No. Eligibility still considers your spouse or partner’s home ownership history.
Yes. Eligible homeowners may qualify for both federal and provincial rebate programs.
Yes. Canadian Citizens and Permanent Residents may still qualify depending on current eligibility requirements.
No. Agreements must be signed after March 19, 2025.
Yes, provided you paid for the ADU and it will be your primary residence.
No. The rebate is only available to individuals, not corporations.
No. All owners listed on title must meet the First-Time Home Buyer eligibility requirements.
