January 28, 2026 | Real Estate Advice
First-Time Buyer Incentives You Need to Know About When Buying in Ontario
Ontario offers several programs designed to help first-time buyers enter the housing market. However, understanding what applies and how to use these incentives properly can be confusing.
At Urban Group Realty, we help buyers understand which incentives may apply to their situation and how they fit into the overall purchase plan.
Common First-Time Buyer Incentives
Depending on eligibility, incentives may include:
- Land transfer tax rebates
- Federal first-time buyer programs
- Tax credits
Eligibility requirements vary, and not every buyer qualifies for every program.
Why Incentives Should Be Part of a Bigger Plan
Incentives can help reduce upfront costs, but they shouldn’t drive the entire decision. Coordinating incentives with mortgage planning and legal requirements is key.
This is where working with trusted mortgage brokers, financial advisors, and real estate lawyers ensures nothing is overlooked.
For a full picture of readiness, many buyers also review am I ready to buy my first home in Ontario.
🔗 Learn More
This topic is covered in our first-time home buyer guide in Ontario.
Blog FAQs
No. They help, but buyers should still plan carefully.
Eligibility depends on individual circumstances.
Understanding incentives can make buying your first home more achievable. Click here to schedule a confidential meeting with one of our real estate experts to review which programs may apply to you.
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