The most active segment of Ontario's current pre-construction market. Projects targeting 2028 occupancy are open for VIP registration now — with the best selection, best floors, and builder incentives still available.
Pre-construction projects with 2028 occupancy are the current sweet spot of the Ontario new construction market. These are buildings that launched in 2024–2025, with construction now underway or about to begin. They represent the most active selling phase — builders still have good inventory, floor and layout selection is broad, and VIP/platinum incentive packages are still on the table.
For buyers who want the full pre-construction experience — choosing your floor, your exposure, your layout, and your finishes — the 2028 closing cohort is where that experience is currently available at scale. The window for the best platinum-stage pricing and incentives on 2028 projects is open, but will narrow through 2026 as buildings sell down.
Full Selection Available
Floors 5 through 40+, all exposures, all layout types. This is not the case for 2026 (mostly assignments) or 2027 (thinning inventory). 2028 projects have units to sell and builders are welcoming buyers.
Spread Deposits Over 2 Years
Buying now for 2028 occupancy means deposits paid over 18–24 months. This is the deposit structure's biggest benefit — accumulating your down payment while the building is constructed, rather than needing it all at once.
Full Incentive Packages
Capped development charges, free parking, extended deposit structures, décor credits — the full VIP incentive package is available on 2028 projects. These incentives are typically not offered once a project is 60%+ sold.
Décor Centre Still Ahead
2028 closing means the décor centre appointment — where you choose finishes, flooring, countertops, and upgrades — is typically 12–18 months away. You have time to plan your choices, research options, and budget for upgrades intentionally.
| City | Type | From | Closing | Why Now |
|---|---|---|---|---|
| Hamilton | Condo | $439,000 | Q1–Q3 2028 | Strongest yield market, LRT planned |
| Oshawa / Whitby | Condo | $459,000 | Q2–Q4 2028 | GO East, UOIT, lowest GTA entry |
| Kitchener | Condo | $469,000 | Q2–Q4 2028 | Tech corridor, ION LRT in place |
| Barrie | Condo | $479,000 | Q1–Q3 2028 | Georgian Bay, GO expansion |
| Brampton | Condo / Town | $529,000 | Q2–Q4 2028 | LRT complete, GO Kitchener line |
| Mississauga | Condo | $569,000 | Q1–Q3 2028 | Hurontario LRT corridor |
| Vaughan | Condo | $629,000 | Q2–Q4 2028 | TTC subway, VMC master plan |
| Markham | Condo / Town | $649,000 | Q2–Q4 2028 | Tech hub, top schools, GO |
| Toronto | Condo | $679,000 | Q1–Q4 2028 | All corridors, best liquidity |
| Oakville | Condo / Town | $799,000 | Q3–Q4 2028 | #1 school district, waterfront |
If your closing is in 2028, you have approximately 18–30 months from today to your occupancy date. That timeline creates a clear planning sequence:
Now — 3 months
Register with our team. Attend VIP events for 2028 projects. Sign your APS. Use the 10-day cooling-off period for lawyer review.
Months 1–12
Pay deposits on schedule. Open or maximize your FHSA contributions. Maintain your mortgage qualification profile (avoid large new debts).
Months 12–20
Décor centre appointment. Choose your finishes. Budget for upgrades strategically — kitchens and bathrooms deliver the best ROI.
6 months before closing
Lock in a mortgage rate hold with your lender. Confirm closing cost budget with your lawyer.
At closing
Final walkthrough (PDI), Tarion enrollment, mortgage funds, legal title. Your 2028 home is yours.
Tell us your city and budget. Our team reaches out personally within 1 hour with projects matching your closing year, city, and price range — before they go public.
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905-274-3000No obligation · Reply within 1 hour