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October 2026 · TRREB Market Watch
Source: TRREB Market Watch, October 2026
Highest inventory relative to demand
Source: TRREB Market Watch, October 2026
Guides, tips and 2026 rule changes for Ontario new-home buyers
The builder's sales team works for the builder. Learn what a buyer's agent does on Ontario pre-construction, who pays them, and why to register them first.
When an Ontario builder can legally cancel a pre-construction deal, how your deposit comes back with interest, and when you can claim damages.
What Ontario's Tarion warranty covers in years 1, 2 and 7, how much it pays, which claim forms to file and when, and how it protects your deposit.
What platinum and VIP access really mean in Ontario pre-construction: how launches and worksheets work, pricing, deposit protection and red flags.
Signing a builder's agreement in Ontario? Check these 12 pre-construction APS clauses, from deposits and HST to Tarion dates, before your cooling-off ends.
Everything first-time buyers need to buy a resale home in Ontario: down payments, closing costs, mortgage rates, rebates and making an offer, with 2026 numbers.
Plain-language guides for Ontario buyers and investors, updated for 2026.
Everything you need to invest in or buy pre-construction in Ontario: why invest, tips, choosing projects, and FAQs on buying, financing, closing and legal.
Read the investing guide →
Every step of buying a pre-construction home or condo in Ontario, from pre-approval and deposits to the 10-day cooling-off, PDI and closing.
How to buy, step by step →
Ontario's expanded HST rebate cuts up to $130,000 off new homes and condos. See who qualifies, the deadlines, and the clause in your builder agreement to check.
See the $130K HST rebate →A pre-construction home is a condo, townhome, semi or detached home you buy directly from a builder before it's built. You sign the agreement now, pay your deposit in instalments while it's built, and close when it's finished, usually 2 to 5 years later.
Pre-construction condos usually need 15–20% of the price, paid in instalments over one to two years. Freehold townhomes, semis and detached homes often need 5–10%. Condo deposits must be held in trust or insured, and Tarion protects freehold deposits up to $60,000–$100,000.
For agreements signed between April 1, 2026 and March 31, 2027, eligible buyers get back the full 13% HST on new homes up to $1 million, to a maximum of $130,000. Homes from $1M to $1.5M get a flat $130,000, the rebate shrinks up to $1.85M, and homes above that get the standard $24,000.
Yes. Buyers of new condos have a 10-day cooling-off period under the Condominium Act. Starting January 1, 2027, buyers of new freehold homes get a 10-day cooling-off period too. You can cancel for any reason within the period with written notice.
You don't need one, but it costs you nothing. The builder pays the buyer's agent. The sales team at the presentation centre works for the builder, while your own agent represents you, gets you VIP access, and negotiates deposits, closing cost caps and upgrades.
Expect land transfer tax, development charges and levies (unless capped in your agreement), the Tarion enrolment fee, utility connections, legal fees and adjustments. Condo buyers also pay occupancy fees and a reserve fund contribution. Negotiate a hard cap on development charges before you sign.
It can be for long-term buyers who negotiate well and plan for risk. Prices are below their 2022 peak and builders are offering incentives, but many GTA condos don't cash flow at first and appraisal gaps at closing are a real risk. Short-term flipping is the riskiest strategy right now.
An assignment is when a pre-construction buyer sells their purchase contract to someone else before closing. It usually needs the builder's consent and a fee, HST generally applies to the assignment price, and profit on rights held under 365 days is taxed as business income.
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