Housing & Property
Housing, property, utilities and address changes.
CA Canada15 guidesOfficial-source workflowHousing & Property procedures
Browse published guides with quick facts, official-source verification and clear next steps.
Claim part of the GST or federal portion of HST paid on an eligible new or substantially renovated home used as your or a relation's primary residence.
Learn how to apply for rent-geared-to-income housing in Ontario, who may qualify, which local service manager to contact and how waiting-list rules work.
Find out when your security or damage deposit should be returned after moving out in Canada. Compare provincial and territorial deadlines, including Vancouver and British Columbia, and learn what to do if a landlord keeps the deposit.
Use Ontario LTB Form T2 to challenge illegal entry, harassment, lock changes, interference with reasonable enjoyment or withheld vital services and request specific remedies.
Use Ontario LTB Form T1 to claim money a landlord improperly collected or failed to pay, including illegal rent, illegal charges, deposits and certain compensation.
Use Ontario Landlord and Tenant Board Form T6 when your landlord fails to repair or maintain your rental unit or comply with applicable maintenance, health or safety standards.
Ontario landlords can use LTB Form L5 to request an above-guideline rent increase for qualifying municipal tax increases, security costs or eligible capital expenditures.
Ontario tenants and former tenants can use LTB Form T4 to seek repayment of all or part of an above-guideline rent increase when a landlord fails to honour a signed Form N10 agreement.
Paying a mortgage balance to zero does not automatically remove the lender's registered charge from your property. Learn how to request confirmation, complete the discharge and update the land title.
When your Canadian mortgage term ends, you can renew with your current lender, negotiate new terms or move the mortgage to another lender. Start comparing offers a few months before maturity because switching may require a new approval, property registration work and fees.
If you are worried about missing mortgage payments in Canada, contact your lender before you default. Learn what federally regulated lenders are expected to consider, including payment deferrals, temporary reduced payments, amortization extensions, fee relief, renewal options and a borrower-led sale.
Learn how to withdraw up to $60,000 from your RRSP under Canada's Home Buyers' Plan, who qualifies, when to use Form T1036, the home purchase deadlines and the rules that can make a withdrawal taxable.
Learn when Home Buyers' Plan repayments start, how much you must repay each year, where to contribute the money, how to designate an HBP repayment on Schedule 7, and what happens if you repay less than the required amount.
Eligible Canadian residents can open a First Home Savings Account through an approved bank, credit union, trust or insurance company to save for a first qualifying home. FHSA participation room starts only when you open your first account, with $8,000 of room in the first year and a $40,000 lifetime limit.
Learn how to add a spouse to a residential lease or remove a spouse who is already a tenant in Canada, including the difference between a tenant and occupant, landlord consent, written lease amendments and province-specific tenancy rules.