Canada & Ontario mortgage rule watch
See verified rules, programs and important dates without confusing a regulator’s role with an individual lender’s approval policy.
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213 published items match this view. We prioritize the effective date, then the announcement or last-update date.
No mortgage is guaranteed merely because the file is described as complete. “Lender-complete” should mean the stated lender conditions have been satisfied, but funding can still depend on no material changes, lawyer instructions, insurance,…
Treat them as three connected deadlines. The offer deposit is usually due under the purchase agreement, the lender needs an acceptable down-payment trail during underwriting, and the lawyer needs cleared closing funds before completion.
Yes. Borrower approval and property approval are separate. A lender or insurer may question value, condition, location, legal use, marketability, condo information or property type even when the buyer’s income and credit are strong.
Use the condition period to obtain and review the live lender decision instead of merely resending the pre-approval. The borrower, property, appraisal, insurer and outstanding documents may all need attention before the condition is…
Send the listing, proposed price, taxes, condo fees, intended use, offer deadline and closing date before the offer becomes firm. A borrower pre-approval cannot confirm an unseen property.
Know the comfortable payment, tested price range, available cash and unresolved approval risks before viewing. A calculator or quick pre-qualification is not enough when an attractive property creates pressure to offer.
There is no single first-time-buyer test for every mortgage, tax and rebate program. A person can qualify under one program and fail another, so check the definition before counting the benefit in the purchase…
CMHC expanded mortgage-insurance options for eligible prefabricated, modular and manufactured homes in May 2026, but the property, land, construction contract and lender still have to fit the program.
Toronto introduced higher graduated MLTT rates effective April 1, 2026 on portions above $3 million for residential property containing one or two single-family residences.
Ontario’s temporary enhanced new-housing relief can materially reduce HST for eligible agreements signed from April 1, 2026 through March 31, 2027, but the buyer, property, price, occupancy or rental use and agreement date must…
Ontario’s temporary enhanced new housing rebate is broader than a first-time-buyer program. For qualifying builder agreements from April 1, 2026 through March 31, 2027, it can provide up to $80,000 of provincial HST relief.…
The agreement, construction, ownership and application dates all matter. For a builder purchase, the agreement generally must be on or after March 20, 2025, and the rebate application usually has a two-year deadline.
The Home Buyers’ Plan currently permits an eligible person to withdraw up to $60,000 from their own RRSPs for a qualifying home. It is not free money: repayments normally run over 15 years, and…
Yes. Since October 1, 2025, reporting entities can have obligations to report material discrepancies involving the federal beneficial-ownership registry when specified high-risk conditions are met.
Ontario’s first-time home buyer rebate is now available and can provide up to $80,000 of relief from the 8% provincial part of HST for an eligible first home. It follows the federal first-time-buyer rebate’s…
Applications are open. An eligible first-time buyer of a new or substantially renovated home can recover up to 100% of the federal GST or federal part of HST, to a maximum of $50,000, on…
Yes. Toronto’s 10% Municipal Non-Resident Speculation Tax can apply in addition to Toronto MLTT and Ontario’s 25% NRST when the purchaser and property fall within the respective rules.
It may. The federal insured-mortgage definition includes a relationship-breakdown pathway, but that does not automatically create eligibility under the FHSA, HBP, GST/HST rebate or Ontario land-transfer-tax refund.
How to read this centre
Sets laws, program requirements or prudential boundaries. FSRA regulates; it does not write every lender’s underwriting policy.
Applies only when the mortgage or client fits that insured product or program. It should not be generalized to every conventional deal.
Decides its own acceptable income, property, credit and exception policy inside the applicable rules.
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