The Plan Review and Approval Process Citizens’ Guide 9 – The Plan Review and Approval Process  PDF, (145K) Who is the approval authority? Traditionally, the approval authority for land use planning has been the Minister of Municipal Affairs and Housing and, in some cases, a municipality. To support increased local autonomy in land use...... Read More

  Citizens’ Guide 4 – Subdivisions  PDF (333 KB) What is a subdivision? When you divide a piece of land into two or more parcels and offer one or more for sale, you are subdividing property, and the provisions of the Planning Act come into play. If your proposal involves creating only a lot or...... Read More

Land Severances Citizens’ Guide 5 – Land Severances  PDF (270 KB) What is a land severance? A land severance is the authorized separation of a piece of land to form a new lot or a new parcel of land. This is commonly known as a consent. It is required, if you want to sell, mortgage,...... Read More

8. Building Permits DOWNLOAD BELOW: s’ Guide 8 – Building Permits  PDF (130 KB) What is a building permit? The body responsible for enforcing Ontario’s Building Code in your area issues permits for the construction, renovation, demolition and certain changes of use of buildings, and for the installation, alteration, extension or repair of on-site sewage systems....... Read More

CANADA MORTGAGEAND HOUSING CORPORATION Your Financial Responsibility Make Your Mortgage Payments on Time You can make your mortgage payments monthly, biweekly or weekly. But, whichever timetable you’ve chosen, it’s important to always make payments on time. Making late payments is called delinquency. Delinquency may result in late charges and negatively affect your credit rating. Failing...... Read More

CANADA MORTGAGEAND HOUSING CORPORATION Starting Your Search Here are some ways to begin looking for your new home: Word-of-mouth Tell everyone you know that you are looking for a new home. Surprising things sometimes happen. For example, you might hear about a home that is just becoming available on the market. Newspapers and real estate...... Read More

Step 3: Which Home is Right for You? Once you have a good idea about your finances, you’ll need to think clearly about the home you’d like to buy. You need to think about your current and future housing needs and what characteristics are important to you in a home. our Needs — Now and...... Read More

Step 2: Are You Financially Ready? This step guides you through some simple calculations to figure out your current financial situation, and the maximum home price that you should consider. How can you know if you are financially ready to become a homeowner? This step guides you through some simple calculations to figure out your...... Read More

BY:CANADA MORTGAGEAND HOUSING CORPORATION Step 1: Is Home-ownership Right for You? Buying a home is one of the biggest emotional and financial decisions you’ll ever make. Prepare by learning about the process of home buying and the responsibilities of home-ownership.Before moving forward, though, here are some questions to consider. Do you have the necessary financial...... Read More

Real estate board predicts ‘ TAMSIN MCMAHON – REAL ESTATE REPORTER The Globe and Mail Published Monday, Jan. 18, 2016 9:46AM EST Last updated Monday, Jan. 18, 2016 6:29PM EST New federal mortgage rules are creating a “policy ceiling” that will curb Toronto’s soaring house prices this year, measures that would be partly offset by...... Read More