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Forms — what each one commits you to

16 forms, grouped by what you're doing, each linked to the body that issues it and dated when we last checked.

Every official source

Authorities, guidance and explainers as well as forms — the whole registry, by journey.

Buying a home

Mortgage insurance rules, land transfer tax and the first-time buyer refund, the registered plans that help you save, and the rules on who may buy at all.

30 official sources

Selling a home

What the Canada Revenue Agency requires when you report a sale, and the tax rules that decide how much of the gain you keep.

13 official sources

Renting a home (tenants)

Your rights, the lease you should be handed, the cap on rent increases, and every official form the Landlord and Tenant Board publishes.

9 official sources

Renting out a property (landlords)

The mandatory lease, the notices and applications you must use by name and number, and the guideline that limits most annual increases.

7 official sources

New builds & warranty

Ontario's new-home warranty, the deadlines that decide whether a claim is heard, and the public register of licensed builders.

9 official sources

Owning your home

The money and the rules that apply after you own it: energy and retrofit programs, flood-prevention rebates, and the City loan repaid through your tax bill.

5 official sources

Commercial property

The Act that governs commercial tenancies, Ontario's plain-language guidance, and Ottawa's zoning — where the residential protections do not reach.

5 official sources

Taxes & the City

Property tax in Ottawa, provincial land transfer tax, and the federal rules that apply when property changes hands.

17 official sources

Glossary — 102 terms

Every term the site uses, defined once and written the way people search for it: status certificate, holdover clause, interim occupancy, N12, months of inventory. Filter by what you're doing, or jump to a letter.

Tarion, explained

Your builder provides the warranty and Tarion backstops it. What the one, two and seven-year clocks cover — and the claim windows that quietly close.

CMHC, explained

Mortgage loan insurance protects your lender, not you. What it costs, when it applies, and what you're actually buying with the premium.

How mortgage rates are set

Variable follows the Bank of Canada; fixed follows the bond market — which is why they don't move together. With the policy rate and the next announcement date.

Mortgage payment

Canadian semi-annual compounding — monthly, bi-weekly, and total interest.

Affordability

What a lender might allow, stress test and GDS/TDS limits applied.

Ontario land transfer tax

Official brackets and the first-time buyer refund — no municipal LTT in Ottawa.

CMHC insurance premium

The cost of a down payment under 20%, plus minimum-down rules.

Closing costs

Exact land transfer tax plus your own real quotes — no invented defaults.

Rent vs buy

The honest monthly comparison, with the caveats attached.

Rental cash flow and cap rate

Cash flow, cap rate and cash-on-cash on a rental — with the costs people leave out put back in.

The PDI checklist

Your one formal look at the finished home before possession. Every check Tarion expects on the form, in the order you walk the house.

62 checks · New-build buyers

Home viewing checklist

What to look at while you are still standing there — and the system ages to ask for, because each one carries a replacement cost.

27 checks · Buyers

Sales centre question card

The questions that keep a sales-centre visit informative. Verbal assurances are not terms — only what reaches the agreement counts.

18 questions · New-build buyers

Status certificate question card

For the conversation after your lawyer has read it, so you understand what you are buying into rather than just hearing "it's fine".

14 questions · Condo buyers

Buyer's agent question card

RECO recommends interviewing at least three. What you pay if the seller covers none of your agent's fee, how long the agreement ties you in, and whether they will tell you to walk away.

28 questions · Buyers

Listing agent question card

Ask every agent the same things before you sign: the comparables behind their price, the fee in full, and the term, holdover and cancellation clauses that outlast the listing.

27 questions · Sellers

Rental viewing question card

The fastest large decision on this site — no lawyer, no inspection, no cooling-off. What utilities really cost, what "included" includes, and whether the unit is even permitted.

28 questions · Tenants

Closing day checklist

Both sides of the same day, because they interlock. Funds, insurance, utilities, keys and meter readings — most of what goes wrong needed doing a week earlier.

30 checks · Buyers & sellers

Final walkthrough checklist

The resale counterpart to the PDI: is everything that was meant to stay still here, and is the property in the condition you agreed to buy?

30 checks · Resale buyers

Home inspection question card

Questions for the inspector you hire, not a list to inspect yourself — scope and exclusions, the age of each system, and which findings need a specialist to price.

28 questions · Buyers

Every checklist on the site

The journey checklists too — buying, selling, renting and new builds. All of them, in one place.