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Ontario home buying guides

Plain-English explanations of the rules behind our calculators. Last reviewed Oct 2026.

Ontario land transfer tax explained

How Ontario land transfer tax and Toronto MLTT are calculated in 2026, with worked examples, first-time buyer refunds and when the tax is paid.

Closing costs when buying a home in Ontario: full checklist

A complete 2026 checklist of Ontario closing costs: land transfer tax, legal fees, title insurance, CMHC premium PST, adjustments and new-build charges.

First-time home buyer programs in Ontario (2026)

Every 2026 program for Ontario first-time buyers: FHSA, RRSP Home Buyers’ Plan with 5-year repayment relief, LTT refunds and new-home GST/HST rebates.

How much house can I afford in Ontario?

How lenders decide what you can afford in Ontario in 2026: the mortgage stress test, GDS/TDS limits, minimum down payment and CMHC insurance premiums.