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Ontario · Canada

Ontario Government Programs Directory

Every major incentive, rebate, grant and tax credit for first-time buyers, homeowners and investors — FHSA, RRSP Home Buyers' Plan, land transfer tax rebates, GST/HST rebates, renovation & energy grants, secondary suites, basement apartments and laneway housing.

Try: “FHSA Ontario”, “first-time buyer rebate”, “home renovation grant”, “laneway house rules”.

First-Time Home Buyers

First Home Savings Account (FHSA)

A registered account that combines RRSP-style tax deductions with TFSA-style tax-free withdrawals to save for your first home.

RRSP Home Buyers' Plan (HBP)

Withdraw from your RRSP tax-free to buy or build a first home, then repay it over 15 years.

First-Time Home Buyers' Tax Credit (HBTC)

A non-refundable federal tax credit worth up to $1,500 for first-time buyers.

Land Transfer Tax Rebate (Ontario + Toronto)

First-time buyers can claim up to $4,000 off Ontario Land Transfer Tax — and up to $4,475 more in Toronto.

GST/HST New Housing Rebate

Recover part of the GST/HST paid on a newly built or substantially renovated home.

Financing & Mortgage

Mortgage Default Insurance (CMHC)

Required when your down payment is under 20% — it lets you buy with as little as 5% down.

Mortgage Stress Test Guide

Lenders qualify you at a higher rate than your actual rate to make sure you can handle increases.

Homeowner & Renovation

Ontario Home Renovation Savings Program

Ontario rebates for energy-efficient home upgrades like heat pumps, insulation and windows.

Canada Greener Homes Loan

Interest-free financing up to $40,000 for major energy-efficient home retrofits.

Multigenerational Home Renovation Tax Credit

A refundable credit worth up to $7,500 for building a secondary unit for a senior or adult with a disability.

Heritage Property Tax Rebate

Property tax relief (often 10%–40%) for owners of designated heritage properties.

Basement Flooding Protection Subsidy

Municipal subsidies to install backwater valves, sump pumps and pipe severance to prevent basement flooding.

Investors & Secondary Suites

Secondary Suite Financing Programs

Financing to add a legal secondary suite — including the federal Secondary Suite Loan and CMHC refinancing options.

Basement Apartment Programs

How to legally add a basement apartment in Ontario, plus available grants and financing.

Laneway Suite Programs

Build a self-contained rental suite off a rear laneway — common in Toronto and expanding across the GTA.

Garden Suite Programs

A detached secondary unit in the rear yard — for lots without a laneway.

Co-Ownership & Shared Equity Guide

Buying a home with family or friends — plus the status of shared-equity programs.

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Ontario Government Programs — FAQs

High-level answers; open any program above for full details.

What government programs help first-time home buyers in Ontario?

The main ones are the First Home Savings Account (FHSA), the RRSP Home Buyers' Plan, the First-Time Home Buyers' Tax Credit, the Ontario (and Toronto) Land Transfer Tax rebate, and the GST/HST New Housing Rebate. Each has its own page above.

Can I combine the FHSA and the RRSP Home Buyers' Plan?

Yes — since 2024 you can use both for the same first-home purchase, combining up to $40,000 (FHSA) and $60,000 (HBP) in tax-advantaged funds per person.

Are there grants to build a basement apartment or secondary suite?

Yes — the federal Secondary Suite Loan Program offers low-interest financing, CMHC allows refinancing to fund a suite, and some regions offer forgivable loans (Ontario Renovates). See the secondary-suite and basement-apartment pages.

Is the First-Time Home Buyer Incentive still available?

No. The federal shared-equity First-Time Home Buyer Incentive stopped accepting applications in March 2024.

Are home renovation and energy grants available in Ontario?

Yes — the Ontario Home Renovation Savings Program (Save on Energy) and the interest-free Canada Greener Homes Loan support energy-efficient upgrades like heat pumps, insulation and windows.

Buying, selling, investing or leasing in Ontario?

Contact Tej Thakor, Broker of Record at Royal LePage Terra Realty, for professional real estate guidance across the GTA and surrounding areas — in English, Hindi & Gujarati.

Contact Tej → ☎ 647-684-1731 WhatsApp Free Home Evaluation
This directory is for general informational purposes only and is not legal, tax, or financial advice. Government programs, eligibility rules, dollar amounts, and deadlines change frequently and vary by situation. Always confirm details on the official government website linked on each program page, and consult a qualified professional before relying on any program.
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