86-2040 Shore RD, London, ON

Save up to $8,000 a year, $40,000 in total, tax-free toward your first home. Contributions cut your taxable income, and a qualifying withdrawal, growth included, is never taxed or repaid.

Behind on your electricity or natural gas bill and facing disconnection? LEAP gives eligible low-income households an emergency grant of up to $780 to help pay it.

If you pay rent or property tax on your Ontario home, you could get up to $1,307 a year back ($1,488 if you're 65 or older), paid monthly whether you own or rent, through the Ontario Trillium Benefit.

Buying or building a new home in Ontario between April 2026 and March 2027? You could get back up to $80,000 of the provincial HST, on top of the federal rebate.

First-time buyers can get the full federal GST back on a new or substantially renovated home priced up to $1 million, with a shrinking rebate up to $1.5 million (resale homes don't qualify).

Get 25% of your CMHC mortgage insurance premium refunded when you buy a newly built home that's at least 20% more energy-efficient than a typical new home.

Buying or building a new home in Ontario between April 2026 and March 2027? You could get up to $50,000 back on the federal portion of the HST as a top-up to the Ontario enhanced rebate.

If you're 64 or older and own your Ontario home, you could get up to $500 a year toward your property tax. You apply when you file your taxes.

Buying your first home in Ontario? You could get up to $4,000 of the provincial land transfer tax refunded, at closing or within 18 months.

Up to 30% back on energy-efficient home upgrades for Ontario homeowners, from insulation and heat pumps to windows and water heaters.

Bought your first home? You could claim the Home Buyers' Amount and cut your federal tax by up to $1,500.

Making your home safer or easier to get around for a senior or someone with a disability? You could claim a federal tax credit on the renovation.

Bought a new or substantially renovated home to live in? You may be able to get back part of the GST or federal HST you paid on it.

This federal interest-free loan of up to $40,000 for energy upgrades has closed to new applications. In Ontario, see Home Renovation Savings instead.

Lower-income household? The Ontario Electricity Support Program (OESP) could take a credit off your electricity bill every month.

If your household income qualifies, you could get energy-saving upgrades such as insulation, LED bulbs or efficient appliances installed for free. Eligible homeowners with oil heating may get a cold-climate heat pump at no cost, funded through Natural Resources Canada's Oil to Heat Pump Affordability program.

The Ontario Electricity Rebate (OER) takes a percentage off your electricity bill automatically. There's nothing to apply for.

Choose the electricity price plan that fits how your household uses power (Time-of-Use, Tiered or Ultra-Low Overnight), and you could lower your bill.

If you heat with natural gas and your household income qualifies, you could get insulation, draft proofing and a smart thermostat installed free.

Adding a self-contained unit so a senior or relative with a disability can live with you? You could get a refundable tax credit of up to $7,500.

The Canada Greener Homes Grant offered up to $5,000 for energy retrofits and up to $600 for home evaluations. It's closed; in Ontario, see Home Renovation Savings.

Home Efficiency Rebate Plus (HER+) gave Enbridge Gas customers rebates for insulation, heat pumps and other upgrades. It has closed; see Home Renovation Savings.

Doing upgrades through Ontario's Home Renovation Savings Program? You could get up to $600 back on your before-and-after home energy assessments.

Enrol your smart thermostat in Peak Perks and you could get a $75 prepaid Mastercard, plus $20 for each extra year you stay in.

The First-Time Home Buyer Incentive offered 5% or 10% of a home's price as a shared-equity mortgage. It closed to new applications in 2024.

Buying your first home? You could withdraw up to $60,000 from your RRSP tax-free to buy or build it, then repay it over 15 years.