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Manitoba Hydro's efficiency loan adds payments for qualifying upgrades onto your energy bill.

FCNB enforces the consumer rules covering New Brunswick renovation financing and contractor agreements.

Nova Scotia's Heritage Property Act adds approval steps on registered heritage buildings.

Ontario's 2025 HST relief covers new builds only, so work on an existing home still carries 13%.

Quebec secured renovation loans must be signed before a notary by notarial deed under the Civil Code.

Saskatchewan's 6% PST sits below Ontario's 13% HST, which matters when materials dominate the budget.

FSRA brought 100 enforcement actions in 2024-25, focused on private mortgage suitability and APR disclosure.

Most Alberta lenders advance up to 80% of confirmed equity, net of the mortgage and closing costs.

BCFSA registers every BC mortgage broker and requires full disclosure of fees on short-term financing.

Manitoba prices sit roughly 55% below the GTA, so bridge amounts and interest costs stay smaller.

New Brunswick charges a flat 1% transfer tax on the greater of assessed value or purchase price.

Nova Scotia averaged $467,926 a sale in February 2026, with deed transfer tax capped at 1.5%.