Supreme Rebates

If you are buying your very first home in Canada as your primary residence, you qualify for specialized government tax relief designed to tackle affordability.

• The Rebate: You can claim a  combined maximum rebate of up to $130,000 (up to $50,000 federally + up to $80,000 provincially). On the federal portion of the GST/HST for newly built homes valued up to $1.5 million. 
• Key Rule: The agreement of purchase and sale must be signed between March 20, 2025, and December 31, 2030, and you must move into the home as your primary residence. 
• What we do for you: We sync your provincial and federal eligibility schedules to ensure you get the absolute maximum first-time buyer credit without any processing delays.

If you are buying a brand-new construction home (condo, townhouse, or detached) from a builder to live in as your main home, you are entitled to massive tax relief.

• The Rebate: Under the newly enhanced rules, eligible buyers can receive a combined rebate of up to $130,000 (covering the full 13% HST on homes valued up to $1 million, with partial rebates on homes up to $1.85 million). 
• Key Rule: This enhanced rebate applies to purchase agreements signed between April 1, 2026, and March 31, 2027. 
• What we do for you: If your builder didn't apply the rebate directly at final closing, or if the paperwork got messy during the transition to the new 2026 tax laws, we step in, fix the calculations, and file directly with the CRA to get your money back.

Did you completely gut an older property? If you perform a massive renovation on your primary home, the CRA treats it legally as a brand-new house.

• The Rebate: You can qualify for the same historic HST housing rebates as a brand-new build (up to $130,000 depending on the project scope and market value). 
• Key Rule: The renovation must be "substantial," meaning 90% or more of the existing house interior must be completely removed and replaced (e.g., stripping it down to the studs, replacing drywall, flooring, and cabinetry). 
• What we do for you: Renovation claims are heavily scrutinized by the CRA. We help you organize your invoices, prove the 90% threshold, and handle the rigorous paperwork to prevent your claim from getting rejected.

If you bought a brand-new residential property or condo and plan to rent it out rather than live in it, you cannot claim the standard housing rebate. Instead, you must file for the New Residential Rental Property Rebate (NRRPR). 

• The Rebate: Investors can claim a rebate of up to $80,000 on the provincial portion of the HST, plus potential federal extensions depending on the property type. 
• Key Rule: You must have a signed, legal lease agreement with a tenant for a minimum of 12 continuous months. The property cannot be used for short-term rentals like Airbnb. 
• What we do for you: Unlike homebuyers who sometimes get the rebate upfront from the builder, investors must pay the HST at closing and claw it back later. We file your NRRPR immediately after your tenant moves in to get your cash flowing back into your pocket fast.

No matter which category you fall into, the CRA gives you a strict 2-year window from your closing date (or the date construction finished) to file your claim. Once those 24 months pass, the money is gone forever. 

Ready to claim your rebate? Contact us today for a free file review.