Whether you're buying your first home in Toronto, renewing in Ottawa, or just want to understand your mortgage across Ontario, Kaiu gives you the numbers — no lender, no broker, no sales pitch.
Ontario charges a provincial Land Transfer Tax on a sliding scale, and Toronto adds a second municipal LTT of roughly the same amount. First-time buyers can claim up to $4,000 off the provincial tax and up to $4,475 off the Toronto tax.
Ontario first-time buyers combine the federal programs with a provincial Land Transfer Tax rebate of up to $4,000, plus the City of Toronto rebate for purchases inside Toronto.
The Greater Toronto Area is one of Canada's most competitive and expensive markets, so pre-approval strength and rate holds matter more here than almost anywhere else in the country.
This guide applies across Toronto, Ottawa, Mississauga, Hamilton, London and every community in Ontario.
