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Ontario applies a provincial land transfer tax, and Toronto applies a second municipal land transfer tax on top. That doubling is the single largest provincial cost difference in Canadian home buying. First-time buyer rebates exist at both levels.
| Applies | Yes |
|---|---|
| Structure | Tiered: 0.5% to first $55,000; 1.0% to $250,000; 1.5% to $400,000; 2.0% to $2,000,000; 2.5% above |
| Fthb Rebate | Up to $4,000 provincial |
| Note | Toronto adds a municipal LTT at matching rates, so Toronto buyers pay roughly double. Toronto first-time buyers get a further rebate up to $4,475. Toronto introduced higher luxury brackets above $3M in April 2026. |
| Confidence | VERIFIED-MULTI |
It is tiered: 0.5% on the first $55,000, then 1.0%, 1.5%, and 2.0% through $2 million, and 2.5% above that. First-time buyers get up to $4,000 back. Buying inside the City of Toronto means a second municipal tax at matching rates, so Toronto buyers pay roughly double, with a further rebate up to $4,475 for first-time buyers.
Yes, through alternative and private lenders rather than the big banks. Rates are higher and most such loans are one to two year terms designed to be refinanced once credit recovers. Expect a larger down payment or more equity than a bank would require, typically 20% or more.
