Canada’s First-Time Home Buyer Rebate | Let’s make your next move a great adventure!

Navigating Canada’s First-Time Home Buyer Rebate can feel like a maze, especially with five application types that affect who files, what forms are needed, and exactly when paperwork is due—whether the home is new, substantially renovated, or a co-op. Over my three decades working with buyers across Vancouver, I’ve seen how each step matters for those chasing the dream of home ownership. If your builder handles the claim and credits you the rebate, you’ll need to sign Form GST190, while the builder submits the documents (including adjustments and the purchase agreement). But if the builder doesn’t apply the rebate, you’ll need to file online or by mail—adding Ontario’s schedule if it applies—within two years of your home’s transfer or possession date. Co-op buyers always file their own claim, and some may still qualify for the first-time buyer rebate later if their initial filings came before March 12, 2026. If only the new housing rebate was credited, you can still submit a separate claim for the first-time buyer rebate. Modular, mobile, and floating home purchases have their own guidance to follow. It’s a lot to juggle, but helping people through these important details is a part of what I enjoy most about my work—making sure every buyer gets the opportunities they deserve.