Real Estate Insights — Page 3
November 21, 2025 · The Couple Estates
The Canadian Mortgage Stress Test in 2026: When It Applies, When OSFI Waives It, and How to Pass
A complete 2026 guide to Canada's mortgage stress test — the minimum qualifying rate, OSFI's November 2024 waiver for uninsured straight-switch renewals, loan-to-income caps, and how to qualify in today's 4%+ rate environment.
November 6, 2025 · The Couple Estates
Ontario Matches the Federal HST Rebate: First-Time Home Buyers Can Now Save Up to $130,000 on a New Build
Ontario's 2025 Fall Economic Statement adds an 8% provincial HST rebate on new homes for first-time buyers, stacking with the federal GST rebate for a combined saving of up to $130,000. Full eligibility, dates, and math explained.
November 4, 2025 · The Couple Estates
Federal Budget 2025: Every Housing Measure That Matters for Ontario Homebuyers and Sellers
Finance Minister Champagne tabled Budget 2025 on November 4 with $25 billion in new housing measures, anchored by a $13B Build Canada Homes expansion. Here's every provision that affects Ontario buyers, sellers, and investors — and what was notably missing.