New homes in Durham, Peel, York, Halton and across Ontario
A past bankruptcy or consumer proposal, a low credit score, self-employed income, and a down payment saved. I connect buyers with builders offering incentives and seller take-back (VTB) mortgage options. The government HST rebate is up to $130,000 on eligible new homes, for agreements signed before April 1, 2027.
Email yournewdreamhome707@gmail.com
Get help
New-home HST rebate
Ontario's expanded relief rebates both the federal and Ontario parts of the HST on eligible new homes, up to a maximum of $130,000. The amount depends on the price of the home. Whether it is credited at closing or claimed afterward, it lowers what the home costs you.
The rebate does not approve a mortgage or change your credit file. Financing still depends on the builder, the lender and your application.
Based on published summaries, the rebate applies to a primary residence bought under an agreement signed between April 1, 2026 and March 31, 2027, and it is not limited to first-time buyers. Ask the builder how the rebate is handled at closing, and confirm your own eligibility with the CRA or a tax professional. Read the PwC summary.
Move-in ready
Availability and pricing change often. Call or send your details to hear what is open right now.
How it works
Your down payment, your type of business, a rough credit picture and the area and budget you have in mind.
I look at builders with current incentives or seller take-back terms that fit your numbers, and tell you plainly which ones do not.
The builder sets rate, term and conditions. A licensed mortgage professional can review your file alongside the offer.
Who this is for
What is a seller take-back mortgage? The builder lends part of the purchase price directly to you. It is also called a vendor take-back (VTB) mortgage. Each builder sets its own rate, term and down payment, and not every project offers one. Rent-to-own is also possible on some projects. Approval is never guaranteed.