Eligible first-time buyers can get up to $4,000 back on Ontario's land transfer tax — applied directly at closing, not filed separately afterward.
Confirm first-time buyer status for you and your spouse
Neither you nor your spouse or common-law partner can have owned a home anywhere in the world while being your spouse, or the refund is affected.
Plan to occupy the home as your principal residence
You need to move into the home as your principal residence within nine months of the purchase to qualify.
Let your lawyer apply it directly at closing
This isn't a rebate you file for after the fact — your real estate lawyer applies the refund directly against the land transfer tax owing as part of the closing statement.
Know the real-world impact of the $4,000 cap
Ontario's marginal land transfer tax rate structure means the $4,000 refund fully offsets the provincial tax on homes up to roughly $368,000 for a single buyer, with a smaller net benefit above that.
Up to $4,000 back on Ontario's land transfer tax for eligible first-time buyers.
Your lawyer applies the refund directly on the closing statement, not as a separate application afterward.
Unlike Toronto, Ottawa doesn't charge its own separate municipal land transfer tax on top of Ontario's — the provincial refund is the only LTT relief to plan around here.
If your spouse or common-law partner has ever owned a home while being your spouse, it can affect your eligibility, even if you personally never have.
Book a free consultation with Narges to talk through your specific numbers, or see the full lineup of first-time buyer programs.
