RealCostIQ Canada · Blog
Canada Property Blog
Sourced explainers for Canadian buyers and owners — the mortgage stress test and capital gains on a home sale, in labelled CAD, every rule linked to its source.
- Home BuyingBuying or Selling an Ontario Home With a Rented Water Heater or Furnace: The Contract, the Title Notice and the Buyout at ClosingWho inherits the rental contract, what an old notice of security interest means on title, and what a buyout costs at closing. Ontario rules read from the province's own pages on 2026-10-06.17 min read
- Home InsuranceCondo Insurance in Canada: What the Corporation's Policy Covers and the Deductible You Can Be ChargedThe corporation insures the building, but a water leak from your unit can put its whole deductible on your bill. How Ontario, British Columbia and Quebec each decide who pays, with worked examples in Canadian dollars.23 min read
- Property Taxes & FeesCapital Gains When You Sell a Home or Rental in Canada: How the Tax Is Worked OutThe principal residence exemption, the plus-one year, adjusted cost base, the 12-month flipping rule, CCA recapture on rentals and non-resident withholding, with the arithmetic shown.19 min read
- MortgagesThe Canadian Mortgage Stress Test in 2026: Qualifying Rate, Limits and Worked ExamplesThe stress test does not change your payment. It changes how big a mortgage a lender will approve. Here is the exact arithmetic, in CAD, at three incomes.18 min read