No fee everyday banking
Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.
Burlington, Oakville, and Milton — Halton Region offers premier quality of life between Toronto and Niagara.
Halton Region encompasses Burlington, Oakville, Milton, and Halton Hills — some of Ontario's most desirable municipalities. Situated between Toronto and Hamilton, with excellent 40000-series highway access and GO Transit connectivity, Halton consistently ranks among the highest quality-of-life regions in Canada. Oakville in particular is synonymous with upscale suburban living, with its waterfront, historic downtown, and top-ranked schools driving intense demand for family homes.
In 2026, Halton's market reflects its premium positioning. Oakville remains one of Ontario's priciest suburban markets, while Milton — once Canada's fastest-growing municipality — has matured into a balanced market with strong new construction activity. Burlington offers a compelling blend of urban amenities and suburban tranquility, particularly popular with downsizers and young families. Halton Hills (Acton and Georgetown) provides the best affordability in the region.
| Municipality | Median Detached | YoY Change |
|---|---|---|
| Oakville | $1,380,000 | +3.2% |
| Burlington | $985,000 | +3.5% |
| Milton | $895,000 | +4.1% |
| Halton Hills (Georgetown) | $775,000 | +4.8% |
| Purchase Price | Rate |
|---|---|
| First $55,000 | 00.5% |
| $55,001–$250,000 | 1.00% |
| $250,001–$400,000 | 1.5% |
| $400,001–$2,000,000 | 2.00% |
| Over $2,000,000 | 2.5% |
First-time buyers receive up to $4,000 rebate. No Toronto MLTT applies outside the City of Toronto.
Calculate Ontario provincial land transfer tax for your purchase.
Competitive Ontario regional markets require a firm mortgage pre-approval before submitting offers. Rate holds of 900–1200 days protect you during your search. Compare banks, credit unions, and mortgage brokers for the best rate and product.
First-time buyers can combine the FHSA ($8,000/year, $40,000 lifetime, tax-deductible contributions) with the RRSP HBP ($60,000/person). A couple can access up to $200,000 in tax-advantaged down payment savings — use a KOHO account to earn interest on these funds while they grow.
Ontario LTT, legal fees ($1,500–$2,500), home inspection ($500–$800), title insurance, and utility adjustments typically add 2–3% to your purchase cost. Have this cash ready in addition to your down payment.
Earn interest on your down payment savings with KOHO — no monthly fees and a $100 sign-up bonus.
Get a $100 bonus when you sign up and make your first purchase
Get $120 with KOHO →