GST/HST New Housing Rebate Toronto | Up to $50K for First-Time Buyers

Recover thousands on your new or renovated home

Bought a new or renovated home in Ontario? Apex prepares and files your GST/HST new housing rebate, including the new First-Time Home Buyers’ rebate of up to $50,000.

What you get

500+

GTA businesses served

10 yrs

Supporting Canadian owners

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On-time CRA filings

GST/HST New Housing Rebate Help in Toronto

Buying or building a new home comes with plenty of paperwork, and housing rebates have changed a lot since 2025. Between the Ontario new housing rebate, the federal and Ontario first-time home buyer rebates, and the new temporary HST relief for 2026–27, it’s easy to miss out on money you’re entitled to. For eligible buyers, that can mean up to the full 13% HST back.

At Apex Accounting, we make the GST/HST new housing rebate simple. We review your purchase or build and confirm which rebates you qualify for. Then we gather the right documents and prepare and file your claim with the CRA. We’ll also check whether your builder already credited the rebate at closing, so you get every dollar you’re owed and nothing gets claimed twice.

Bought, built or substantially renovated a home in Ontario? and find out what you can claim.

First-time buyer rebates. The federal 5% rebate is up to $50,000 and the Ontario 8% rebate is up to $80,000. Both are in force for purchase agreements signed from March 20, 2025 until before 2031. They’re full up to $1M and phase out between $1M and $1.5M, where the Ontario rebate keeps a $24,000 minimum.
The temporary all-buyer rebate is passed in Ontario but not fully live. Ontario’s Act received Royal Assent on May 12, 2026, but federal regulations and CRA processing were still pending as of June. Check CRA’s page before publishing, and if it still isn’t live, add “(pending CRA implementation)” to that bullet.

What you get:

First-time buyers: Full 13% HST back on new homes up to $1M (up to $130,000), with partial rebates up to $1.5M
All buyers, 2026–27: New temporary HST relief for agreements signed April 1, 2026 to March 31, 2027
Standard rebates: Ontario rebate of up to $24,000, plus owner-built, renovation and rental (NRRP) claims

Why Clients Choose Apex for Their Housing Rebate

Up to the full 13% HST back: We check every rebate you may qualify for: first-time buyer, Ontario, owner-built, renovation and the 2026–27 temporary relief.
Claims done right the first time: Correct forms, complete documents and accurate figures, which means fewer CRA delays or denials.
No double claims or missed credits: We confirm what your builder already credited at closing, so nothing is lost or claimed twice.
We handle the CRA for you: If the CRA asks questions or requests documents, we respond on your behalf.

Or email info@apexaccounting.ca

Our GST/HST new housing rebate services

From first-time buyers to investors, we help Ontario homeowners claim every federal and provincial housing rebate they qualify for, accurately and on time.

First-Time Home Buyer Rebates

Eligible first-time buyers can get the full 13% HST back on new homes up to $1M (up to $130,000), with partial rebates up to $1.5M. We confirm your eligibility and file both claims.

2026–27 Temporary HST Relief

Signed a new home agreement between April 1, 2026 and March 31, 2027? You may qualify for Ontario’s expanded HST relief, even if you’re not a first-time buyer.

Eligibility Check & Rebate Calculation

We review your purchase, confirm which rebates apply and calculate the federal and Ontario amounts. We also check what your builder already credited at closing.

Owner-Built & Renovated Homes

Built your own home or substantially renovated one? We gather your invoices, work out the HST paid on eligible costs and file your claim. Bought or built a new home to rent out? We prepare your New Residential Rental Property rebate, including leases and proof of rental.

CRA Review Support

If the CRA asks questions or requests documents, we prepare the response and deal with the CRA on your behalf.

Who Qualifies for a GST/HST New Housing Rebate in Ontario?

If you bought, built or substantially renovated a new home in Ontario, you may qualify for one or more housing rebates. The amount depends on your purchase date, home price and whether you’re a first-time buyer.

Standard GST/HST New Housing Rebate

How We File Your GST/HST Housing Rebate

From your free eligibility check to money in your account, we handle every step of your GST/HST new housing rebate claim.

Free Eligibility Check

We review your purchase or build details, including price, agreement date, first-time buyer status and how the home is used, to confirm every rebate you qualify for.

Builder Credit Review & Documents

We check what your builder already credited at closing, then gather your purchase agreement, statement of adjustments, invoices and proof of occupancy or rental.

Calculate & Prepare Your Claim

We calculate the federal and Ontario amounts and complete the correct CRA forms (GST190, GST191 or GST524) accurately.

File & Follow Up With the CRA

We submit your claim, track its progress and respond to any CRA questions or document requests until your rebate is paid.

Why Ontario Homeowners Choose Apex for Their Housing Rebate

Up to Date on the New Rules

Housing rebates changed a lot in 2025 and 2026. We keep up with the first-time buyer rebates and the temporary HST relief, so you don’t miss money you’re entitled to.

Flat Fee, Free Eligibility Check

Find out what you qualify for at no cost. If we file for you, you pay one flat fee, quoted up front, with no surprises.

Help With Denied or Late Claims

Rebate denied, builder credit missing, or close to the 2-year deadline? We review what went wrong and help you fix or appeal your claim with the CRA.

Local Accountants, Since 2016

Meet us in person in Toronto, Scarborough or Brampton, or work with us remotely anywhere in Ontario. You’ll have a real accountant who knows your file.

“Apex Accounting made the GST/HST new housing rebate process much easier for us. They explained everything clearly, handled the paperwork, and kept us updated throughout. Great service and very helpful team.”

Sarah

Need Help With Your Housing Rebate?

Bought, built or renovated a new home in Ontario? Apex checks every rebate you qualify for and files your claim with the CRA, start to finish.

Frequently Asked Questions

Do I qualify for the housing rebate?

Eligibility depends on your home, purchase or construction details, and CRA requirements.

Can I claim a rebate on a new build?

Yes, you may qualify for a GST rebate on new construction if you meet the applicable requirements.

Serving Businesses Across Toronto and the GTA

We offer dependable accounting and tax support, helping homeowners and businesses manage their financial needs with confidence.

Toronto

230 Sackville St, Toronto, ON, M5A 0B8

Scarborough

1193 Brimley Rd, Scarborough, ON M1P 3G4

Brampton

370 Steeles Ave W, Brampton, ON, L6Y 0P8

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Building a New Home and Unsure About the Rebate?

Get professional support with your GST rebate on new construction, from eligibility to filing.