Builders don’t quote prices the same way. Mattamy includes an estimated amount for Ontario’s temporary enhanced new housing rebate; Sundial quotes HST included, net of rebates assigned to the builder; Branthaven’s website quotes its price net of an HST rebate, with terms and conditions, while its price list doesn’t say whether HST is included; York Trafalgar shows a base price and a lower rebate-adjusted one; Paradise includes HST and education levies. Greenpark doesn’t say. A price net of a rebate depends on you qualifying for that rebate, so ask what happens to the price if you don’t.
Ask the builder which development charges, levies and fees are in the price and which are added at closing, and have your lawyer review the agreement before you sign. Of the builders on this page, only Paradise publishes its deposit structure, on its Milton View price list; ask the others for theirs.
HST applies to new homes, and several rebates can reduce it. The federal first-time home buyers’ GST/HST rebate is up to $50,000: 100% of the GST or federal part of the HST on homes up to $1 million, reduced between $1 million and $1.5 million, and nothing at $1.5 million or more. It covers agreements signed with a builder on or after March 20, 2025 and before 2031. You must be at least 18, a Canadian citizen or permanent resident, and the first person to live in the home as your primary residence, and when ownership transfers to you, you can’t have lived in a home you or your spouse or common-law partner owned in that year or the previous four calendar years. It became law on March 12, 2026, and the application is due within two years of the ownership transfer.
Ontario’s first-time home buyers’ rebate follows the same eligibility rules and covers up to $80,000 of the 8% provincial part of the HST. Separately, Ontario’s temporary enhanced new housing rebate, which isn’t limited to first-time buyers, covers agreements signed with a builder from April 1, 2026 to March 31, 2027 for a primary residence: together with Ontario’s regular new housing rebate, up to $80,000 of the provincial part on homes valued up to $1.5 million and a partial rebate up to $1.85 million, with construction and completion deadlines. Buyers who get it may also receive Ontario’s New Home Affordability Payment of up to $50,000, reduced by any federal rebate. If you qualify for both Ontario rebates, the Canada Revenue Agency’s GST/HST Notice 346 says you can claim either or both, but all rebates of the 8% provincial part of the HST together can’t exceed the lesser of $80,000 and the provincial part of the HST payable on the home.
How these programs combine for one buyer depends on the dates, the price and your own history, and the builder’s price may already assume some of them. Talk to your lawyer before you sign, and don’t count on a rebate until you have confirmed you qualify.