RealCostIQ Canada · Blog
Canada Property Blog
Sourced explainers for Canadian buyers and owners — the mortgage stress test and capital gains on a home sale, in labelled CAD, every rule linked to its source.
- Property Taxes & FeesCapital Gains When You Sell a Home or Rental in Canada: How the Tax Is Worked OutThe principal residence exemption, the plus-one year, adjusted cost base, the 12-month flipping rule, CCA recapture on rentals and non-resident withholding, with the arithmetic shown.19 min read
- MortgagesThe Canadian Mortgage Stress Test in 2026: Qualifying Rate, Limits and Worked ExamplesThe stress test does not change your payment. It changes how big a mortgage a lender will approve. Here is the exact arithmetic, in CAD, at three incomes.18 min read