130,000 Rebate?...Here's What They're Hiding
If you're serious about real estate investing, building wealth through new home construction, or just trying to understand the Toronto real estate market in 2025 and 2026 — this video is essential watching.
The headlines are screaming about $130,000 in tax savings on new builds in Ontario. It sounds like a millionaire lifestyle move, and for the right buyer, it genuinely is. But half of that money isn't law yet. This is one of the most misunderstood pieces of tax planning in Canadian real estate right now — and if you get it wrong, it could cost you tens of thousands of dollars you are simply not prepared for at closing.
This is real estate for beginners and experienced investors alike. Whether you're exploring real estate investing strategies, buying your first home, or looking at new home construction as part of a long-term wealth plan, the GST/HST rebate rules will directly affect your numbers. In this video I give you the real estate tips you actually need: how the rebate works, who qualifies, what happens when HST is "included in" your purchase price vs. added on top, and the one question almost nobody is asking — who actually files for the rebate, and who gets the money?
This is your no-BS guide to one of the biggest real estate market shifts happening in Ontario right now.
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🏠 Full GST/HST Rebate Resource Page (all data, links & references ):
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⏱️ CHAPTERS
0:00 — The $130,000 Headline Nobody Is Explaining Properly
1:03 — Top 3 Questions Buyers Are Asking Right Now
1:57 — Why You Need to Act on Accurate Information (Not Guesses )
2:39 — The Two Layers: Federal GST vs. Ontario HST
3:23 — How Tax Works in Ontario — HST Explained Simply
4:32 — Is HST Included In Your Purchase Price or Added On Top?
7:05 — Who Files the Rebate? Who Gets the Money Back?
9:12 — The Federal GST Rebate: What's Law, What the Math Looks Like
10:51 — The Ontario HST Rebate: The Danger Zone
12:20 — What This Actually Means for the GTA Market
13:49 — Summary: What You Need to Know Before You Sign
14:50 — Like, Subscribe & Book Your Digital Coffee
📌 WHAT YOU'LL LEARN IN THIS VIDEO
✔ The difference between the Federal GST rebate (law) and the Ontario HST rebate (proposal)
✔ How Ontario's 13% HST breaks down into 5% federal + 8% provincial
✔ The two purchase price scenarios — HST on top vs. HST included in — and why it matters
✔ Who files the rebate with the CRA and who actually receives the money
✔ What happens if the CRA denies the rebate and the builder comes back to you
✔ Who qualifies — it's not just first-time buyers, it's all end users
✔ The price thresholds: full rebate under $1M, phased out to $1.5M, nothing above
✔ Why this policy is about stimulating construction demand, not affordability
✔ How to protect yourself in a pre-construction Agreement of Purchase and Sale
🔗 REFERENCES & RESOURCES MENTIONED
• Canada Revenue Agency — GST/HST New Housing Rebate:
https://www.canada.ca/en/revenue-agen...
• Bill C-4 — Federal GST Elimination on New Builds:
https://www.parl.ca/DocumentViewer/en...
• Ontario Budget 2025 — Provincial HST Rebate Proposal:
https://www.ontario.ca/page/2025-onta...
• City of Toronto Development Pipeline Report 2024:
https://www.toronto.ca/city-governmen...
• Urbanation — GTA Condo Market Year-End 2025:
https://www.urbanation.ca/news/new-co...
• TRREB Q4 2025 Condo Market Report:
https://trreb.ca/wp-content/files/mar...
• CMHC Housing Market Information Portal:
https://www.cmhc-schl.gc.ca/en/profes...
📣 ABOUT JONATHAN RENNA — PROPERTIES BY JON
Jonathan Renna is a fully licensed real estate agent with Keller Williams Referred Urban Realty, specializing in residential resale in South Etobicoke and South Mississauga. He works with first-time home buyers, move-up buyers, and downsizers across the GTA with a hands-on, knowledgeable, and decisive approach.
Whether you're buying your first home, upsizing, or navigating the pre-construction market, Jon brings the clarity and strategy you need to make a smart, protected investment.
👉 Book your Digital Coffee: https://propertiesbyjon.com/digital-c...
👉 Visit the website: https://propertiesbyjon.com
This video is for informational purposes only and does not constitute legal, tax, or financial advice. Always consult a qualified real estate lawyer and financial advisor before making purchasing decisions. Tax legislation is subject to change.