Understand provincial and Toronto rebate programs, confirm eligibility from official sources, and use the dedicated calculator for a purchase-price estimate.
Ontario offers a provincial land transfer tax refund for eligible first-time home buyers. Toronto administers a separate municipal rebate for qualifying purchases in the city. Eligibility and maximum amounts depend on the applicable program rules, so verify the official guidance before closing.
Use the Ontario Land Transfer Tax CalculatorGet Broker ReviewUse the dedicated calculator after reviewing rebate eligibility to estimate provincial tax and, for Toronto properties, municipal tax from the purchase price.
Buyers, renewers, switchers, refinancers, self-employed borrowers, and newcomers comparing real mortgage choices.
Online calculators are estimates. We verify lender rules, rate holds, penalties, and approval conditions before you act.
Official sources: Review the Ontario land transfer tax guide and the City of Toronto rebate and refund guidance. Program rules can change, and this page is general information rather than tax or legal advice.
Eligible Ontario first-time buyers can receive up to $4,000 provincially. Eligible Toronto first-time buyers may receive an additional municipal rebate.
No. Toronto has a municipal land transfer tax; most Ontario cities do not currently have Toronto-style municipal LTT.