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Agent for first-time home buyers in Ontario

First-time buyers need an agent who explains the process, not just opens doors. In Ontario that covers pre-approval, how offers and conditions work, home inspections, and closing costs that surprise many people.

  • Budget beyond the price: land transfer tax (Toronto adds a municipal tax on top of the provincial one), legal fees, title insurance and adjustments.
  • Rebates: Ontario offers a land transfer tax refund for eligible first-time buyers. Ask the agent to walk through eligibility.
  • Offer strategy: registration dates, bidding wars and what conditions you can realistically keep.
  • Buyer representation agreement: read what you are signing, including term and fees, before you start touring.

Choose someone patient who will say no to a house that stretches your budget.

What it costs

In Ontario the buyer's agent is typically paid through a commission agreed in the buyer representation agreement, so confirm how and by whom it is paid before signing. Your own costs include the deposit, inspection, legal fees, land transfer tax (less any eligible rebate) and moving.

Top 3 by our score

Ranked from our published scoring of public Google reviews for residential home sales.

  1. 92
  2. 94
  3. 94

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FAQ

Do first-time buyers pay for an agent?
That depends on the buyer representation agreement. Ask for the fee terms in writing before you start.
What is the land transfer tax rebate?
Eligible first-time buyers in Ontario can get a refund of some or all of the provincial land transfer tax. Toronto has a separate municipal rebate. Your lawyer applies it at closing.
When should I contact an agent?
Early, ideally before or during mortgage pre-approval, so your search matches what you can actually borrow.