Get Thousands in Cash Back When You Buy a New Build in Ottawa
Combine government HST savings with Equity One’s BUYSmart® cashback program and keep more money in your pocket when purchasing a new home or condominium from a builder in Ottawa.
✔ Up to 50% commission cashback with BUYSmart®
✔ Guidance before your first builder contact
✔ No gimmicks - real savings on closing
Before you visit or register at a builder sales centre or website, book a free home builder consultation with Equity One.
Book A Builder Consultation
Did you know?
Booking a consultation with Equity One before reaching out to a builder is critical to securing your BUYSmart® rebate.
Calculate your BUYSmart® Rebate.
We help Ottawa buyers understand how new construction works, compare builders and communities, avoid expensive mistakes, and make smart upgrade decisions. On eligible purchases, buyers may also qualify for a cash-back rebate through our BUYSmart® program with participating builders. How much will you get back?
Introduction Only - Up to 50% cashback
We introduce you to the builder **
Limited involvement
Full Representation - Up to 25% cashback
Expert guidance throughout the process
Contract review & builder advice
Use our BUYSmart® rebate calculator to learn how much you could earn when we help you purchase a builder home.
* Commissions and fees vary by builder and project. Contact us to learn more.
** Some builders reserve the right to limit our representations services, and pay only for the introduction. Enter a percentage (e.g. 2.5%) or a flat dollar amount (e.g. 15000).
The Builder Sales Rep Represents the Builder
Builder sales staff may be helpful and knowledgeable, but their role is to protect the builder’s pricing, process, and contract terms. They are not there to negotiate on your behalf.
The Base Price Is Rarely the Final Price
Lot premiums, structural options, design centre upgrades, air conditioning, appliances, landscaping, fencing, driveway paving, and closing adjustments can increase the real cost.
Some Upgrades Are Worth Paying For
Some upgrades make sense. Others are heavily marked up and add little resale value. Knowing the difference can save buyers thousands, and actually make you money on resale.
Things to Consider Before Buying From a Builder.
1. The builder’s sales representative works for the builder
One of the biggest misconceptions buyers have is assuming the on-site sales representative is there to guide them the same way a buyer’s agent would. They are not. Their job is to sell the builder’s inventory and protect the builder’s interests. That means pricing, incentives, contract terms, and upgrades are presented from the builder’s perspective. Having your own representation means having someone focused on your interests.
2. The advertised price may only tell part of the story
New construction pricing often looks attractive at first glance, but many buyers quickly discover that the advertised price is only a starting point. Depending on the builder and the community, you may also be paying for lot premiums, elevation upgrades, air conditioning, appliances, driveway paving, landscaping, fencing, and a long list of design centre upgrades.
3. Builder upgrades can get expensive very quickly
Model homes are designed to sell emotion. They are beautifully staged and often filled with premium finishes that are not included in the base price. It is easy to overspend on upgrades without realizing which ones actually add value and which are simply expensive wants.
We help buyers think through what is worth paying for now, what may be better done after closing, and what is most likely to help resale value later.
4. Builder contracts are written to protect the builder
Builder agreements are often more detailed and more builder-friendly than standard resale agreements. They can include clauses related to delays, substitutions, closing flexibility, additional adjustments, restrictions, and other builder protections.
Even when the contract is standard for the builder, it is still important to understand what you are signing and where your risks are.
5. Timelines can change
New construction timelines are not always fixed. Delays can affect occupancy dates, final closings, financing plans, lease endings, moving arrangements, and the sale of an existing home. The more prepared you are for possible timeline movement, the less stressful the process becomes.
6. Builder incentives are not always the best overall deal
Free appliances, decor credits, upgrade allowances, and closing cost bonuses can sound appealing, but buyers should not assume the headline incentive is automatically the best value. Sometimes the better deal is not the flashiest one. A smarter overall structure can save more money than a promotion that looks good on paper.
7. Going directly to the builder usually does not save you money
Many buyers think skipping a REALTOR® will get them a better price. In most cases, that is not how it works. Builders typically already account for commission in their pricing model. Going in alone does not usually translate into a discount for the buyer. What it often means instead is giving up expert advice, strategy, and possible rebate opportunities.
8. Your first visit to the builder’s sales office matters
This is one of the most important things buyers need to know: many builders require your REALTOR® to accompany you on your first visit. If you register alone, you may lose the ability to have representation attached to the transaction later. That can also affect your eligibility for a rebate. This is exactly why it makes sense to talk to Equity One before you step into a sales centre.
How Our Consultation Can Save You Tens of Thousands.
Avoiding Expensive Pitfalls
Guidance before your first builder visit
Help understanding the true total cost
Advice on lot selection and resale considerations
Smarter upgrade decisions
Better awareness of timeline and closing issues
Comparison of builders, communities, and product types
The wrong upgrades, poor lot choice, or overlooked fees can cost far more than buyers expect.
Potential Commission Rebate
On eligible builder purchases, Equity One may offer a commission rebate at closing. That can mean real money back in your pocket to use toward:
Furniture and appliances
Window coverings
Landscaping and fencing
Moving expenses Mortgage-related costs
General post-closing savings
For many buyers, the combination of better guidance and rebate savings adds up to tens of thousands in savings.
Ottawa Home Builders List (Updated 2026)
Choosing the right builder is about more than brand recognition. Community location, lot premiums, included features, upgrade pricing, floor plan quality, and resale appeal can vary significantly from one builder to the next. Here are some of the better known builders active in Ottawa and surrounding communities (in no particular order).
Mattamy Homes
Barrhaven · Kanata · Orléans · Richmond · Kemptville · Stittsville · Rockcliffe
Richcraft Homes
Riverside South · Findlay Creek · Kanata · Orléans · Stittsville· Kanata Lakes
Urbandale Construction
Riverside South · Kanata Lakes · Findlay Creek · Bradley Commons · Cowan’s Grove
Frequently Asked Questions When Buying A New Build
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Before contacting the builder or visiting the builder’s sales office. This ensures you maintain the option for representation and any potential rebate, while also starting the process with the right strategy from day one.
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Yes. The builder’s sales representative works for the builder, not for you. Having your own representation ensures someone is looking out for your best interests, helping you understand pricing, upgrades, and contract terms.
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No. Builders typically include commission in their pricing structure, whether you have representation or not. That means you can benefit from expert guidance at no additional cost, and potentially receive a rebate on eligible purchases.
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On eligible builder purchases, Equity One may offer a portion of the buyer-side commission back to you at closing. Builder pay us a commission when we introduce them to home buyers that purchase a home from the builder. This can help offset costs like upgrades, furniture, or moving expenses.
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Because your first visit matters. Many builders require your REALTOR® to be present on your initial visit. If you go alone, you may lose the ability to have representation, and any associated rebate.
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Beyond the base price, buyers should expect costs such as:
Lot premiums
Upgrade selections
Appliance packages
Landscaping and fencing
Driveway paving
Tarion warranty fees
Closing adjustments
These can add tens of thousands to the purchase price.
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Some are, some are not. Builders often mark up upgrades significantly. We help you decide what adds real value and what may be better done after closing.
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Absolutely. We help you compare builders based on pricing, inclusions, lot premiums, upgrade costs, location, and long-term resale value, so you’re not just choosing based on the model home.
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While builder pricing is often structured, there may still be opportunities around incentives, upgrades, or timing. More importantly, we help ensure you’re getting the best overall value, not just the best headline deal.
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Common risks include:
Delayed closing timelines
Unexpected closing costs
Overpaying for upgrades
Choosing a poor lot or layout for resale
Misunderstanding contract terms
We help you identify and reduce these risks early.
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Typically, you’ll:
Choose a community and model
Select your lot and structural options
Sign a builder agreement
Choose finishes at the design centre
Wait for construction and closing
We guide you through each step to help you make informed decisions.