Toronto levies a municipal land transfer tax and Peel legally cannot. On a $900,000 purchase that is $14,475 more on the Etobicoke side, in cash, on closing day. The statutory reason, and what else changes.
The Condominium Act does not use the phrase “special assessment”, there is no owner vote and no prescribed notice. What the reserve fund study and the board’s funding plan actually tell you, and how to get them.
What a condominium fee legally is, the four reasons a per-square-foot comparison misleads, the four documents that answer the question, and the published method behind my quarterly fee data.
Ontario charges 25 per cent and Toronto adds 10 per cent. Permanent residents are outside both. Work permit holders and students are not, and their transitional rebates closed on 31 March 2025.
CMHC’s published newcomer criteria, the three ways to establish creditworthiness without a Canadian credit file, and the foreign buyer ban that runs to 1 January 2027. Process and rules only.
Licence status, warranty history, regulatory actions, the insolvency page and the statutory addendum. What is publicly checkable about an Ontario builder, and what is not.
Occupancy fees are interest, taxes and common expenses under s. 80(4), and none of it pays down the price. The prescribed rate is the Bank of Canada posted one-year mortgage rate, fixed on the first of the month you move in. Calculator included.
Urbanation counts 11,653 GTHA pre-construction units cancelled since the start of 2024. What cancellation means legally, which route returns your deposit, and the clause that lets a builder walk.
Tarion deposit protection is $20,000 for a condominium unit and up to $100,000 for freehold — the most conflated fact in Ontario pre-construction. Plus the claim process and the new 45-day notice rule.
The mortgage relief measures the federal government publishes, named as it names them, with its own cautions about what each one costs — and who to call for each.
