Disclaimer: Not Financial Advice

Last Updated: March 2026

1. Calculator Accuracy

While we strive for extreme accuracy and update our algorithms to reflect current CRA guidelines, proposed legislation (such as Bill C-4), and Tarion rates, we cannot guarantee the precision of our calculators for your specific situation. Variables such as builder inclusions, specific municipal levy fluctuations, and exact closing dates dramatically alter final numbers.

2. Proposed Legislation

First Home Ontario closely tracks proposed legislative changes. When our tools assume the passage of bills (like the Bill C-4 federal GST rebate enhancements or the Ontario provincial HST match), these are clearly marked. However, until a bill receives Royal Assent and is passed into law, the rules and specific rebates are subject to change. Do not finalize purchasing decisions based solely on proposed legislation.

3. Requirement for Professionals

Buying a home—especially a pre-construction or new development—is a massive legal and financial undertaking. You must verify all numbers, contracts, and tax liabilities with your independent legal counsel, mortgage broker, and licensed real estate representative prior to signing an Agreement of Purchase and Sale.