Pre-construction · St. Joseph
Pre-Construction Condos in St. Joseph
Summitly lists every published new condo project in St. Joseph and adds new launches as builders release them.
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New condos in St. Joseph
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Before you buy in St. Joseph
- 01Deposit structuresHow much you pay, when it is due, and how deposits are protected. Ontario freehold deposits have Tarion protection up to $60,000 for homes priced at $600,000 or less and $100,000 above that; condo deposits are held in trust, with Tarion coverage up to $20,000 if not.
- 02The 10-day cooling-off periodYour right to cancel a new condo purchase within 10 days of receiving the signed agreement and the disclosure statement (Condominium Act, 1998, s.73). Freehold homes and assignments have no statutory cooling-off period.
- 03HST rebate on new homesWho qualifies for the federal and Ontario rebates, and what they are worth.
- 04Tarion new home warrantyWhat the warranty covers, including compensation for delayed occupancy.
- 05Closing costs and leviesDevelopment charges, levies and everything due on closing day.
- 06VIP and Platinum accessWhat early access really means and how unit allocations work.
Deposit calculator
What you pay, and when
You don’t pay it all at once. Pick a price and a typical structure.
20% in total, paid in 5 payments before you close.
Total deposit before you close
$120,000
Balance at closing (mortgage + cash)
$480,000
| Payment | When | Rule | On $600,000 |
|---|---|---|---|
| On signing | On signing | $5,000 | $5,000 |
| Balance to 5% | 30 daysNov 12, 2026 | Balance to 5% | $25,000 |
| 5% | 120 daysFeb 10, 2027 | 5% | $30,000 |
| 5% | 365 daysOct 13, 2027 | 5% | $30,000 |
| 5% | 540 daysApr 5, 2028 | 5% | $30,000 |
| Total (20%) | $120,000 | ||
Deposits on new Ontario homes are held in trust and protected by Tarion up to set limits; condo deposits are also protected under the Condominium Act. Your agreement of purchase and sale sets the exact amounts and dates.
These are typical shapes, not any builder’s offer; each project page uses the builder’s own schedule. Before closing you may also owe development charges and levies.
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Questions
St. Joseph pre-construction FAQs
Still unsure? Call (905) 553-8500. An advisor answers. Not legal or tax advice.
How many new condos are there in St. Joseph?
Summitly lists every published new condo project in St. Joseph, from projects selling now to launches still taking registrations, and adds new projects as builders release them.
How much do new condos in St. Joseph cost?
Prices for new condos in St. Joseph are set by each builder and vary by suite size and release phase. Each project page shows the builder's published starting price once it is released.
How do pre-construction deposits work in St. Joseph?
Deposits on a new Ontario condo must be held in trust (Condominium Act, 1998, s. 81) and are paid in stages set out in the Agreement of Purchase and Sale, not all at signing. Each project page shows the builder's deposit structure where it has been released.
Can I cancel a pre-construction condo purchase in St. Joseph?
Yes, for a new condo. Under section 73 of Ontario's Condominium Act, 1998, a buyer can cancel within 10 days of receiving both the signed agreement and the disclosure statement, and the deposit is refunded in full. Freehold homes have no statutory cooling-off period.
What warranty comes with a new home in St. Joseph?
Every new home in Ontario carries the statutory Tarion warranty: 1 year for workmanship and materials, 2 years for water penetration and major systems, and 7 years for major structural defects. Builders must be licensed by the Home Construction Regulatory Authority (HCRA).
Can I buy or sell a pre-construction assignment in St. Joseph?
Yes. An assignment transfers a buyer's pre-construction contract to a new buyer before closing, usually with the builder's written consent and an assignment fee set in the agreement. Summitly lists St. Joseph assignments and helps owners sell theirs.
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Summitly is a brokerage, not the builder; prices, incentives and availability are set by the builder and can change.
Prices, sizes, specifications, incentives and availability are preliminary and subject to change without notice. Renderings and floor plans are artist’s concepts. This is not an offering for sale; any offering can only be made with the builder’s disclosure statement. E. & O.E.
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