For Realtors
Mortgage rule changes move fast, and they directly affect what your buyers can afford and how your listings show. This section is curated for real estate agents: plain-language breakdowns of the financing rules that matter, plus a couple of quick tools for your next conversation with a buyer or seller.
There's a Three-Week Window Opening Right Now, and Most Agents Don't Know It Exists Yet
Prices are down further than anywhere else in the G7. Confidence is climbing faster than it has in months. And the Fed is about to make a call that'll ripple straight into your clients' decisions. This issue isn't another recap of headlines, it's four specific moves you can make with buyers and sellers this week.
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The $1.5M Insured Mortgage Cap: What It Means for Your Buyers
Since December 2024, homes up to $1.5 million can qualify for an insured mortgage with as little as 5-10% down, down from a flat 20% requirement. Paired with wider access to 30-year amortizations, this changes who can realistically afford listings above $1 million.
Read MoreOntario's New HST Rebate on New Homes: What It Means for New-Build Listings
A temporary, enhanced HST rebate, worth up to $80,000 provincially, applies to new-home agreements signed between April 1, 2026 and March 31, 2027. Here's who qualifies, what's still being finalized, and why the timing window matters.
Read MoreTools
Tool: Max Purchase Price Calculator
Run a buyer's income, down payment, and debts against current stress-test and insured mortgage rules, on the spot, to see what they can realistically afford.
Open CalculatorTool: HST New Build Rebate Calculator
Enter a new-build price and signing date to check eligibility and estimate the provincial HST rebate for a specific listing.
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