Ontario Land Transfer Tax Calculator
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
FTHB Rebate Checker
Instant First Time Home Buyer Rebate Estimate
Instantly See If You Qualify For Rebates
1. Answer six questions - simple yes or no
2. We instantly calculate your likely eligibility for:
Ontario LTT rebate (max $4000)
Toronto MLTT rebate (max 4,475), if property is in Toronto
3. Schedule a FREE consultation if you are buying/selling a home in Ontario
First-Time Home Buyer Rebate Checker (Ontario & Toronto)
Answer a few quick questions to see if you may qualify for the Ontario Land Transfer Tax (LTT) rebate (up to $4,000) and the Toronto Municipal LTT (MLTT) rebate (up to $4,475).
This tool gives you an instant look at your eligibility for the first time home buyer rebates. Keep in mind that results are for informational purposes only - your exact rebate amount may depend on additional factors. For exact guidance, speak with a qualified real estate lawyer below
Why Buyers In Ontario Should Use This Tool
Saves You Time: No need to dig through government websites or tax tables.
Clear Answers: Quickly find out if you’re eligible for Ontario and/or Toronto rebates.
Plan Ahead: Get a realistic view of your closing costs before making an offer.
Peace of Mind: Understand your eligibility before speaking with a lawyer or lender.
How the Ontario First-Time Home Buyer Rebate Works
The Ontario Land Transfer Tax (LTT) rebate is designed to help first-time buyers with the cost of purchasing a home.
If you qualify, you can receive up to $4,000 back, which often eliminates land transfer tax on homes valued under $368,000.
To be eligible, you generally must:
Be a first-time home buyer (you and your spouse/partner have never owned a home anywhere in the world)
Be at least 18 years old
Occupy the home as your principal residence within 9 months of closing
Purchase a property in Ontario.
FAQ's
Can I Get Both Rebates?
Yes—if you’re buying in Toronto and meet all the criteria, you could receive up to $8,475 back combined.
My spouse owned before—am I disqualified?
Yes. If your spouse or partner owned a property during your relationship, that typically disqualifies you from the first-time buyer rebate.
How do I actually get the rebate?
Your real estate lawyer (like us!) applies for it on your behalf at closing. It’s part of the normal closing paperwork.
Ontario Land Transfer Tax Calculator
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
First-Time Home Buyer Rebate Checker (Ontario & Toronto)
Answer a few quick questions to see if you may qualify for the Ontario Land Transfer Tax (LTT) rebate (up to $4,000) and the Toronto Municipal LTT (MLTT) rebate (up to $4,475).
FTHB Rebate Eligibility Checker
Instant First Time Home Buyer Rebate Estimate
Buying your first home in Ontario? You may be eligible for valuable rebates on your Land Transfer Tax. Our First-Time Home Buyer Rebate Checker makes it easy — answer a few quick questions to see if you qualify for up to $4,000 off the Ontario Land Transfer Tax and up to $4,475 off Toronto’s Municipal Land Transfer Tax.
How It Works
1. Answer six questions - simple yes or no
2. We instantly calculate your likely eligibility for:
Ontario LTT rebate (max $4000)
Toronto MLTT rebate (max 4,475), if property is in Toronto
3. See your personal result immediately, showing what you may qualify for & why
4. Schedule a FREE consultation if you are buying/selling a home in Ontario
First-Time Home Buyer Rebate Checker (Ontario & Toronto)
Answer a few quick questions to see if you may qualify for the Ontario Land Transfer Tax (LTT) rebate (up to $4,000) and the Toronto Municipal LTT (MLTT) rebate (up to $4,475).
This tool gives you an instant look at your eligibility for the first time home buyer rebates.
Keep in mind that results are for informational purposes only - your exact rebate
amount may depend on additional factors. For exact guidance, speak with a qualified
real estate lawyer below.
Why First-Time Buyers in Ontario Should Use This Tool
Saves You Time: No need to dig through government websites or tax tables.
Clear Answers: Quickly find out if you’re eligible for Ontario and/or Toronto rebates.
Plan Ahead: Get a realistic view of your closing costs before making an offer.
Peace of Mind: Understand your eligibility before speaking with a lawyer or lender.
What Are These Rebates?
Ontario Land Transfer Tax (LTT) Rebate
A provincial rebate worth up to $4,000, often covering the full LTT on properties priced up to ~$368,000—if you:
Are a first-time home buyer (you or your spouse haven’t previously owned property)
Are 18 or older
Plan to make the property your principal residence within 9 months of closing
Are purchasing in Ontario
Toronto Municipal LTT (MLTT) Rebate
If your new home is in Toronto, you may also qualify for a municipal rebate of up to $4,475, often covering the MLTT on the first $400,000 of the purchase price, provided you:
Qualify for the Ontario rebate, and
Are a Canadian citizen or permanent resident
How the Toronto First-Time Home Buyer Rebate Works
If you are buying a home in the City of Toronto, you may also qualify for a Municipal Land Transfer Tax (MLTT) rebate
This rebate can provide up to $4,475 in savings, covering the municipal tax on the first $400,000 of the purchase price.
To qualify, you must meet the Ontario requirements plus:
Be a Canadian citizen or permanent resident (at time of purchase).
Purchase a property located within Toronto city limits.
FAQ's
Can I Get Both Rebates
Yes—if you’re buying in Toronto and meet all the criteria, you could receive up to $8,475 back combined.
My spouse owned before—am I disqualified?
Yes. If your spouse or partner owned a property during your relationship, that typically disqualifies you from the first-time buyer rebate.
How do I actually get the rebate?
Your real estate lawyer (like us!) applies for it on your behalf at closing. It’s part of the normal closing paperwork.
Combine Both Rebates for Maximum Savings
For buyers purchasing in Toronto, the rebates can be combined. That means you may qualify for:
Up to $4,000 from Ontario
Up to $4,475 from Toronto
Total potential savings: $8,475
Next Steps After Checking Eligibility
Your eligibility for these rebates is just one piece of the home buying puzzle. You’ll also want to understand your full closing costs, including:
Land Transfer Tax (after rebates)
Legal fees
Title insurance
Mortgage costs
Adjustments (utilities, property taxes, etc.)
Our team at Pranzitelli Law Firm can guide you through the entire process, confirm your eligibility, and ensure your rebates are properly applied at closing.
Combine Both Rebates For Maximum Savings
For buyers purchasing in Toronto, the rebates can be combined. That means you may qualify for:
Up to $4,000 from Ontario
Up to $4,475 from Toronto
Total potential savings: $8,475
Next Steps After Checking Eligibility
Your eligibility for these rebates is just one piece of the home buying puzzle. You’ll also want to understand your full closing costs, including:
Land Transfer Tax (after rebates)
Legal fees
Title insurance
Mortgage costs
Adjustments (utilities, property taxes, etc.)
Our team at Pranzitelli Law Firm can guide you through the entire process, confirm your eligibility, and ensure your rebates are properly applied at closing.
Ontario Land Transfer Tax Calculator
Key Terms
Ontario LTT
A provincial tax charged by the Government of Ontario on the purchase of real estate. The amount is based on the property’s purchase price and is payable by the buyer at closing.
Toronto MLTT
An additional land transfer tax charged by the City of Toronto on top of the Ontario Land Transfer Tax. It applies only to properties located within Toronto’s city limits and is calculated using similar tax brackets to the provincial tax.
FTHB Rebates Applied
A reduction in land transfer tax available to eligible first-time home buyers. In Ontario, the rebate can be up to $4,000 off the provincial tax. In Toronto, an additional rebate of up to $4,475 may apply to the municipal tax. These rebates can significantly reduce — and in some cases eliminate — the total amount of land transfer tax owed.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
Email
[email protected]
Our Addresses
(Vaughan | Toronto | London)
Toronto | Mississauga | Brampton | Vaughan | Hamilton | Markham | Oakville | Burlington | Kitchener | London
This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved
What is Long-Term Disability (LTD) Insurance
Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.
How Do I Qualify For Long-Term Disability Benefits In Ontario?
To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.
What Types Of Conditions Are Covered Under Long Term Disability Insurance?
LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.
How Long Can I Receive Long-Term Disability Benefits?
The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.
What Should I DO If My Long-Term Disability Claim Is Denied?
If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
Email
[email protected]
Our Addresses
(Vaughan | Toronto | London)
Toronto | Mississauga | Brampton | Vaughan | Hamilton | Markham | Oakville | Burlington | Kitchener | London
This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved
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