Buying
Ontario First-Time Home Buyer Incentives Explained (2026)
FHSA, the RRSP Home Buyers' Plan, land transfer tax refunds, GST/HST rebates and down payment rules for GTA first-time buyers, with official sources.
Updated 9 min read
Let's find your next home.
A few quick questions, then pick a time for your free Gameplan Session. You leave with your budget, your areas and a written plan.
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Watch the buyer video firstHow it works
Five steps from first call to keys.
Step 1: Gameplan Session
Free, about 30 minutes. You leave with a written plan.
Step 2: Area shortlist
Two or three areas that fit your budget and commute.
Step 3: Homes and showings
Matching homes as they list, showings booked in batches.
Step 4: Offer
Price, deposit and conditions decided before you bid.
Step 5: Keys
Your lawyer and lender close it. You move in.
Free calculators
Type in a few numbers and get an answer straight away. No sign-up.
- Which schools are near this home?The closest public, Catholic and French schools to any GTA address, with each board's catchment check.
- How much will my mortgage payment be?Your payment, plus CMHC insurance if you put down under 20%.
- How much home can I afford?The price you could qualify for, using the lender stress test.
- How much cash do I need on closing day?Land transfer tax, first-time buyer rebates and cash to close.
Homes sent to you
Pick a list. Ishwar sends matching homes as they come up.
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Recent Google reviews
“I had the pleasure of working with Ishwar Garg recently, and I couldn't be more impressed with his professionalism and expertise. From the moment we started our home search, more than a year back, Ishwar demonstrated an in-depth knowledge of the market, providing valuable…”
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Questions
Still unsure? Call or text 437-525-2544.
How long does it take to buy a home?
It depends on your savings, your pre-approval and how fast homes in your price range are selling. The Gameplan aims for about 90 days. Some buyers move faster, some slower.
Do I need a pre-approval before we start?
You can start the Gameplan without one, but you'll want a pre-approval before you make an offer. I can introduce you to lenders if you don't have one.
Which first-time buyer programs can I use?
Common ones in Ontario include the First Home Savings Account (FHSA), the RRSP Home Buyers' Plan, and land transfer tax refunds for first-time buyers. Eligibility rules apply, so we check each against the official sources in your session.
I'm new to Canada. Can I still buy?
Many newcomers do. Lenders look at things like your status, income history in Canada and the source of your down payment. I work in English, Hindi and Punjabi and can walk you through what lenders usually ask for.
What does it cost me to work with you as a buyer?
In Ontario, buyers sign a buyer representation agreement that sets out how your agent is paid before you see homes together. We go through it line by line at the start, so there are no surprises.
Guides for buyers
Incentives, land transfer tax and closing costs, with official sources.
Buying
Land Transfer Tax in Toronto and Ontario, With Examples
Ontario and Toronto land transfer tax rates, first-time buyer refunds, and worked examples at $700K, $1M and $1.3M, with every step of the math shown.
Updated 6 min read
Buying
Closing Costs for GTA Home Buyers: A Line-by-Line Checklist
Every closing cost a GTA buyer pays, from land transfer tax and PST on default insurance to title insurance and adjustments, with official sources.
Updated 6 min read
Book your free session.
About 30 minutes. You leave with your budget, areas and next steps.
Or call 437-525-2544