Ontario HST New Housing Rebate Calculator
Federal + Ontario portions of the New Housing HST rebate for new-build and pre-construction purchases.
Your New Home Purchase
Inputs
Ontario New Housing HST Rebate
Applies to new-build homes and condos where you or a close relation will live in the property. Not applicable to resale, investment properties, or short-term rentals.
Total HST Rebate
$24,000
Federal + Ontario portions combined
Net HST You Pay
$54,000
After rebates · Home total: $654,000
Rebate breakdown
Where each rebate comes from
Important nuance
Most builders include the HST rebate in their advertised price — meaning the price you see is already NET of the rebate the builder claims on your behalf. If you buy pre-construction as an INVESTMENT (renting it out short- or long-term), you may lose eligibility and owe the rebate back. Talk to a real estate lawyer before signing an Agreement of Purchase and Sale on a pre-con unit you don't plan to live in.
These numbers are a good estimate. A licensed IndiBrick advisor will tune them against your actual file and current lender rates.
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Personally reviewed by
Nitish Gupta
Co-Founder · Mortgage Agent Level 1
I personally review every purchase + renewal files, business development and respond within 2 business hours.
Questions you probably have
When does the HST rebate apply?+
To new-build homes and condos (including pre-construction) where you or a close relation (spouse, child, parent, grandparent) will occupy the property as principal residence. Not for resale homes (no HST charged on resale) and not for investment purchases where you'll rent to third parties.
Do I claim the rebate or does the builder?+
Most builders claim the rebate on your behalf and reflect the NET-of-rebate price in your Agreement of Purchase and Sale. In that case, the advertised price already assumes you'll qualify for the rebate. If you don't qualify (e.g., you buy as an investor), the builder can back-charge you for the amount they credited — which surprises many first-time investors.
What if I buy pre-construction as a rental?+
You may still qualify for a partial rebate under the New Residential Rental Property (NRRP) rebate — but the timing and process are different. You typically pay the full HST at closing, then apply to CRA for the rebate after your first tenant moves in. Cash-flow implication: you need enough cash at closing to cover the full HST, then wait for the CRA refund.
What is the maximum rebate?+
Federal: max $6,300 (36% of 5% GST on the first $350k, phased out fully above $450k). Provincial (Ontario): max $24,000 (75% of the 8% provincial HST portion, capped at that dollar amount). Combined maximum: $30,300 — reached on new-build homes priced at $500,000+ pre-HST.
Real numbers, real broker.
The math above is a good estimate — a licensed IndiBrick advisor will tune it against your file and current lender rates.
Pre-con closing? Get a broker reviewFSRA-licensed · Response within 2 business hours