HST & GST Housing Rebate
Recover thousands on your new home purchase.
Buying a new home or completing a substantial renovation in Ontario comes with HST — but many buyers are entitled to a significant rebate that they never claim. The federal New Housing Rebate and the Ontario New Housing Rebate together can recover up to $30,300 in HST paid. We ensure you claim every rebate you qualify for, correctly filed and on time.
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Recover Up to $30,000
The combined federal and Ontario rebate can reach up to $30,300 for qualifying properties. The federal portion is 36% of the 5% GST paid on the first $350,000, up to $6,300, phased out between $350,000 and $450,000. The Ontario provincial rebate is 75% of the 8% Ontario portion, up to $24,000, with no phase-out. We calculate your exact entitlement based on your purchase price.
New Residential Rental Property Rebate
Investors who buy a new property and rent it to a long-term tenant may qualify for the New Residential Rental Property Rebate (NRRPR) — even though the property is not their primary residence. The rebate is available where the property will be used as someone's primary place of residence. We confirm your eligibility and handle the filing.
Pre-Construction Condo Buyers
Buyers of pre-construction condos often assign the rebate to the builder at closing — meaning the builder reduced the purchase price to account for the rebate. If you later rent the unit out instead of living in it, you may owe the HST back to CRA. We advise on the assignment of rebates at closing and the post-closing implications for investors.
Substantial Renovation Rebate
If you renovated at least 90% of the interior of your existing home (a 'substantial renovation'), you may qualify for a rebate on the HST paid on renovation costs. The same thresholds as the New Housing Rebate apply. We review your renovation costs, confirm you meet the 90% threshold, and file your rebate claim.
Frequently Asked Questions
Who qualifies for the Ontario New Housing Rebate?
To qualify for the Ontario portion of the rebate, the home must be a newly constructed or substantially renovated property purchased from a builder (or owner-built), and it must be used as the primary place of residence of the buyer or a relative. The purchase price must be under $450,000 for the federal portion (which phases out between $350,000 and $450,000), but the Ontario $24,000 rebate has no upper price limit — it applies regardless of the purchase price as long as the property qualifies.
What if the HST was assigned to the builder at closing?
Most new home and condo purchases in Ontario include a builder assignment of the HST rebate — meaning the builder reduces the purchase price assuming you will qualify for and receive the rebate. If you plan to live in the home, this works smoothly. If you purchased for investment or rental purposes, the assignment may not have been valid, and CRA could assess you for the HST owing. We review your purchase agreement and closing documents to determine your exact situation.
Can investors claim the HST rebate on a rental property?
Yes — through the New Residential Rental Property Rebate (NRRPR). Unlike the standard New Housing Rebate (which requires primary residence use by the buyer), the NRRPR is available where the property will be used as the primary place of residence of a tenant. The rebate applies to the same GST and Ontario HST amounts as the standard rebate. You must have a lease in place and file within two years of the date possession is given.
What is the deadline to claim the HST housing rebate?
The rebate application must generally be filed within two years of the closing date (for purchase from a builder) or two years from the date the construction or substantial renovation is substantially complete for owner-built homes. Missing this deadline results in a permanent loss of the rebate — there is no late-filing accommodation. We track your deadline from the day we take on your file.
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