New Homes & Pre-Construction | GTA

Mortgage Rates & Financing

Through our trusted banking partners, we help you secure the best mortgage rates and financing options tailored to your needs.

Current Best Rates (May 2026)

5-Year Fixed (Insured) 3.45%via broker partners

5-Year Fixed (Uninsured) 3.50%via broker partners

3-Year Fixed 3.45%competitive rates

5-Year Variable 3.40%prime - 1.05%

Big Bank 5-Year Fixed 6.09%posted rates

Bank Prime Rate 4.45%BoC policy rate 2.25%

Rates shown are estimates as of May 2026. Actual rates depend on creditworthiness, down payment, and lender assessment.

Let Us Shop For You

Why settle for your bank's posted rate? We work with 50+ lenders including major banks, credit unions, and private lenders to find you the best deal.

Rate Shopping: We compare rates from 50+ lenders to find your best option

Pre-Approval: Get pre-approved before you shop — know your budget

New Construction Specialists: We understand builder deposit structures and timelines

No Cost Service: Our mortgage partners pay us — you pay nothing extra

First-Time Buyer Programs: Access to special programs and incentives

Get Your Free Mortgage Quote

Your information is confidential. We do not share your details with lenders without your consent.

First-Time Home Buyer Incentives

2026 is the best year to buy your first home. Stack these programs together and save tens of thousands on your purchase.

Ontario HST Rebate

Up to $80,000

Full 8% provincial HST removed on new homes up to $1M. Available April 1, 2026 – March 31, 2027. Applies to both first-time and repeat buyers.

Learn More

Land Transfer Tax Refund

Up to $4,000

Ontario first-time buyers receive up to $4,000 back on provincial land transfer tax. Applied instantly at closing by your lawyer.

Learn More

Toronto LTT Rebate

Up to $4,475

Buying in Toronto? Get an additional rebate on municipal land transfer tax. Combined with Ontario rebate, save up to $8,475.

Learn More

Home Buyers' Plan (HBP)

Up to $60,000

Withdraw up to $60,000 from your RRSP tax-free for your down payment ($120,000 per couple). Repay over 15 years.

Learn More

First Home Savings Account

Up to $40,000

Tax-deductible contributions like an RRSP, tax-free withdrawals like a TFSA. Save up to $40,000 tax-free for your first home.

Learn More

Federal Tax Credit

Up to $1,500

Non-refundable federal tax credit providing up to $1,500 in tax savings. Claimed when filing your income tax return.

Learn More

Total Potential Savings

Up to $183,975+

When you stack HST rebate ($80,000) + Land Transfer Tax ($4,000) + Toronto LTT ($4,475) + HBP ($60,000) + FHSA ($40,000) + Tax Credit ($1,500)

Call Now to Calculate YOUR Savings

Featured Builders

We partner with GTA's most reputable builders to bring you special pricing, VIP incentives, and early access to the best new home opportunities.

SPECIAL PRICING

Mattamy Homes

Canada's largest privately owned home builder, specializing in family communities, detached homes & townhomes.

Brampton, Milton, Oakville

VIP INCENTIVES

Fieldgate Homes

Luxury detached homes and premium townhomes with modern architectural design and superior craftsmanship.

Brampton, Caledon, Vaughan

EARLY ACCESS

The Daniels Corporation

Eco-friendly condo towns and urban condos with a focus on sustainable, community-oriented development.

Brampton, Toronto

SPECIAL PRICING

Rosehaven Homes

Upscale modern architecture with attention to detail, offering luxury homes in prime GTA locations.

Brampton, Mississauga, Aurora

VIP INCENTIVES

Opus Homes

Customizable builds using superior materials, creating homes tailored to modern family lifestyles.

Brampton, Caledon, Georgetown

EARLY ACCESS

Caivan Communities

Master-planned communities designed for modern living with integrated amenities and green spaces.

Brampton, Ottawa-Gatineau

SPECIAL PRICING

LIV Communities

Urban and suburban new construction projects across the GTA, focusing on livability and design.

GTA-Wide

VIP INCENTIVES

Greenpark Group

Diverse housing portfolio with decades of experience building quality homes across the region.

Toronto, Vaughan, Brampton

EARLY ACCESS

Primont Homes

High-rise condo specialists with iconic towers and modern urban living solutions.

Brampton, Mississauga

SPECIAL PRICING

Solmar Development

Mixed-use and residential developments blending commercial and residential spaces seamlessly.

Brampton, Vaughan

VIP INCENTIVES

Poetry Living

Modern family homes with thoughtful design and community-focused neighborhood planning.

Brampton

EARLY ACCESS

National Homes / Brixen

Urban condos and townhomes designed for contemporary lifestyles in transit-friendly locations.

Brampton, Toronto

Why Register With Us?

When you work with Ravi & Rashmi Hooda, you get professional representation, insider access, and complete buyer protection — at zero cost to you.

VIP Early Access

Get floor plans, pricing, and unit selection opportunities before projects launch to the public. Beat the rush and secure the best lots.

Special Pricing & Incentives

Access exclusive builder pricing, upgrade packages, and deposit structures that are not available to walk-in buyers or the general public.

No Cost to You

Our services are 100% free for buyers. We are paid directly by the builder — you get expert representation at zero out-of-pocket expense.

Expert Guidance

Ravi (B.Com, MBA) & Rashmi (BSC, FDIT, BCA) bring combined business, technology, and real estate expertise to protect your investment.

Full Representation

We negotiate on your behalf, review purchase agreements, explain clauses, and ensure your interests are protected throughout the transaction.

Trusted Brokerage

Backed by Century 21 Red Star Realty Inc. at 239 Queen St E, Brampton — a recognized name in GTA real estate with deep local market knowledge.

Exclusive New Homes & Pre-Construction Access

Register for VIP Early Access

15+

50+

$887K

100%

Ontario HST Rebate on New Homes Save Up to $80,000

Don't Miss Out!

Mortgage Rates & Financing

Current Best Rates (May 2026)

Let Us Shop For You

First-Time Home Buyer Incentives

Ontario HST Rebate

Land Transfer Tax Refund

Toronto LTT Rebate

Home Buyers' Plan (HBP)

First Home Savings Account

Federal Tax Credit

Total Potential Savings

Featured Builders

Mattamy Homes

Fieldgate Homes

The Daniels Corporation

Rosehaven Homes

Opus Homes

Caivan Communities

LIV Communities

Greenpark Group

Primont Homes

Solmar Development

Poetry Living

National Homes / Brixen

Featured New Home Projects

Hawthorne East Village

Union Mount Pleasant

Crown of Caledon

Chateau 9

Creekview Collective

Juniper Gate

Mount Pleasant North

Daniels MPV2

Spring Valley Village

Arbor West

Bristol Place

CityPointe Heights

Duo Condos

Stella 2 Condos

The Southlands Condos

Boutin Tower Condos

Why Register With Us?

VIP Early Access

Special Pricing & Incentives

No Cost to You

Expert Guidance

Full Representation

Trusted Brokerage

Brampton & GTA Market Intelligence

$887,457

$1,044,443

$790,736

$748,177

$481,833

29.0%

Get In Touch

Ravi Hooda

Rashmi Hooda

Century 21 Red Star Realty Inc.