Navera Brampton › Blog › HST on a $1 Million New Home in Ontario
At 13%, the HST on a million-dollar new home is $130,000. Ontario's expanded 2026 rebate can remove all of it for buyers who qualify. Navera starts at $999,999, so the rules matter for every buyer in the community.
| Price of the new home | Expanded rebate for qualifying buyers |
|---|---|
| Up to $1,000,000 | The full 13% HST |
| $1,000,000 to $1,500,000 | $130,000 |
| $1,500,000 to $1,850,000 | A reduced amount |
| Above $1,850,000 | The older $24,000 maximum |
Ontario's examples: $130,000 on a $1.2 million home and $69,500 on a $1.7 million home.
The expanded rebate is open to all qualifying buyers, not only first-time buyers. First-time buyers have a separate rebate with a longer signing window, running to the end of 2030, which gives full relief up to $1 million and phases out by $1.5 million.
Navera is launching in fall 2026. An agreement signed at launch falls inside the signing window. An agreement signed after March 31, 2027 would not, unless the government extends the program. If a later release is planned, that date is worth knowing.
Most Ontario builders quote a price with HST included and the rebate already taken off. The buyer signs the rebate over to the builder in the agreement. When the buyer qualifies, nothing more is owed for HST on the price.
When the buyer does not qualify, the agreement normally requires the rebate amount to be paid on closing. At this price point that can be as much as $130,000. It is the single largest risk in the paperwork, and it is avoidable.
Ontario land transfer tax on $999,999 is about $16,500. Brampton has no municipal land transfer tax. First-time buyers can receive a refund of up to $4,000. Mortgage default insurance is available only on homes priced under $1.5 million, and only when the down payment rules are met.
We go through these numbers with every buyer before an appointment. Register for Platinum Access to get the Navera price list when it is released.
HST is 13%, which is $130,000 on $1 million. Under Ontario's expanded 2026 rebate, qualifying buyers can have the full amount removed, up to a maximum of $130,000.
DiGreen Homes has not published how HST is treated in Navera pricing. Most Ontario builders quote prices with HST included and the rebate assigned to the builder. Confirm this in the agreement of purchase and sale.
The agreement of purchase and sale must be signed between April 1, 2026 and March 31, 2027. Construction must start by December 31, 2028 and the home must be substantially complete by December 31, 2031.
No. The expanded rebate is open to buyers who will use the new home as the primary residence of the buyer or a close relative. First-time buyers also have a separate rebate with a longer signing window.
Last checked October 4, 2026. General information only, not legal, tax or financial advice. Builder details can change without notice.
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