The move-up ladder
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The new home
Paying for it
Month to month
What is your unit worth today?
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We'll price your condo town from actual sales in your building and match you to builder inventory that closes when you need it.
How the rebate is counted. Most builders now advertise prices with the 2026 rebate already taken off, so the ladder prices are treated as what you pay. "Before the rebate" shows the same home priced the old way — HST-included with only the $24,000 Ontario new-housing rebate credited. Under the 2026 program (Bill 114, Royal Assent May 12, 2026), a new home bought from a builder as your primary residence, with the agreement signed April 1, 2026 – March 31, 2027, gets the full 13% HST back up to $130,000 (on homes up to $1M before tax; flat $130,000 from $1M–$1.5M; phasing down to $24,000 by $1.85M). If a builder quotes the old-style price instead, tick the box under "Assumptions" and the rebate is subtracted for you. Resale homes and homes bought for investment do not qualify. Construction must be substantially complete by Dec 31, 2031.
Everything here is an estimate, not advice. Ladder prices are typical Seaton new-build price bands as of September 2026 and change often — confirm against the builder's current list. Ontario land transfer tax is calculated on the after-rebate price; Pickering has no municipal land transfer tax. Payments use Canadian semi-annual compounding. Under 20% down means CMHC insurance, which isn't included. Property tax differences aren't included. Speak with your lawyer and mortgage specialist before signing. Team Rajpal is not a tax advisor.
Team Rajpal · RE/MAX Key 2 Real Estate, Brokerage · 2460 Brock Road, Unit C206, Pickering, ON · teamrajpal.com. Not intended to solicit properties currently listed for sale or buyers under contract.