2026 Housing Legislation Savings Hub
Tracking the Money Pipeline.
Before calculating, we audit current legislative progress. Recent 2026 updates represent a once-in-a-generation shift in rebate availability.
Rebate Pipeline Status
The 2026 legislation has received Royal Assent and is now law. While the 100% federal rebate incentive is approved, specific launch dates and regulatory transition rules are currently being finalized by the Department of Finance.
⚠️ PROPOSED — NOT YET LAW. Confirmed in the March 26, 2026 Ontario Budget. Would remove the full 13% HST for ALL buyers on new homes priced up to $1.5M, with agreements signed Apr 1, 2026–Mar 31, 2027. Full $130,000 rebate up to $1.5M. Linear phase-out $1.5M→$1.85M. $24,000 floor above $1.85M. Both Ontario budget passage AND separate federal legislation are still required before this is law.
All data mirrors active Gazette notices as of April 2, 2026.
Phase 2: HST Rebate Engine
GST/HST Rebate for New Homes: Buyer 2026 Strategy.
Phase 3: Buying Power
Insured Mortgage Limit Increase & 30-Year Amortization 2026
Based on the official CMHC stress test (GDS ≤ 39%, TDS ≤ 44%). Instantly see your maximum purchase price, monthly payment, and if you qualify for the new 30-year amortization framework.
Phase 4: Land Transfer Tax Audit
Calculate Your Exact LTT Liability.
Ontario and Toronto have significant land transfer taxes, but also up to $8,475 in hidden rebates for qualifying buyers. Calculate your exact payable.
Phase 5: Closing Day Audit
What Will You Actually Owe at Closing?
The hidden costs most buyers don't budget for. We combine your Land Transfer Tax, 8% PST on CMHC premiums, legal fees, and development charges.
Market Intelligence
Ontario Regional Guides.
Deep-dive data for Ontario's highest-growth real estate markets. From LTT math to local pre-construction trends.
Kitchener
Waterloo
Guelph
Hamilton
Barrie
Niagara Falls
Toronto
Brantford
Cambridge
Scarborough
Mississauga
Paris
Ayr
Stratford
