Legal Disclaimer.
"The information on this website is for general informational purposes only and does not constitute financial, legal, real estate, tax, or mortgage advice. Always consult a qualified licensed professional before making any financial or real estate decisions. Calculator results are estimates only and are not guaranteed to be accurate. Eligibility for government programs depends on individual circumstances — confirm with CRA or a qualified professional."
1. Independent Resource
FirstHomeOntario.ca is an independent resource and is not affiliated with any real estate brokerage, mortgage broker, the Government of Ontario, or the Government of Canada. We provide a platform for consumers to research market data and connect with licensed professionals who handle specific transactions.
2. Calculator Estimates
While we strive for accuracy based on the latest available legislation (including 2026 federal HST rebate enhancements), we cannot guarantee the precision of our calculators for your specific situation. Variables such as builder-specific inclusions, municipal levies, and changing regulations can alter final amounts. Do not finalize any purchase agreement without verification from your legal counsel.
3. Requirement for Professionals
Buying a home—especially a pre-construction or new development—is a massive legal and financial undertaking. You must verify all numbers, contracts, and tax liabilities with your independent legal counsel, mortgage broker, and licensed real estate representative prior to signing an Agreement of Purchase and Sale.
4. 2026 Legislation Compliance
This site tracks proposed and enacted 2026 legislation. Proposed legislation (such as the Ontario HST Expansion) is not yet law. Until it passes, standard rules apply. Our calculators mark proposed categories clearly. We take no responsibility for financial losses incurred by relying on proposed legislative outcomes.