Guides.
Plain explanations of the parts of buying a new home that nobody explains: the rebate, the rescission period, the deposit, the day you qualify again. Each one links to the tool that puts your own number on it.
The 2026 first-time buyer HST rebate, explained with real numbers
Up to $130,000 back on a new home. Who qualifies, how the taper works between $1M and $1.5M, and why the number is calculated on the price under the sticker.
What the advertised price on a new build actually means
Ontario builders advertise HST-in prices with the rebate already assigned. Here is the number underneath, why it matters for deposits and rebates, and how to find it in ten seconds.
Closing day is when you qualify, not signing day
Pre-construction buyers go firm years before any lender commits. What the lender re-tests, what changes in between, and how to know now whether you will pass then.
Deposits: the cash question that decides whether you can buy at all
Deposit schedules, what they look like on real dates, how much cash lands in the first twelve months, and how deposits are protected.
The ten-day cooling-off period, and why freehold does not have one
Condo buyers get ten days to walk away for any reason. Freehold buyers do not. What the lawyer review is for, and what to look for in the agreement in those days.
Buying your first home in Canada: the newcomer's version
Credit history, the two-year income rule, gifted down payments, non-resident tax, and the programs that stack for first-time buyers. What actually applies if you arrived recently.
Assignment sales: what is actually left after the builder, the CRA and everyone else
Selling your pre-construction agreement before closing looks like easy money. Here is every deduction between the headline uplift and the cheque.
Development charges, levies and the cap that saves you $30,000
What municipalities charge builders per new home, how the increase between signing and closing reaches your statement of adjustments, and what a cap does.